0001364783 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelPMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelOneMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelTwoMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelThreeMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelFourMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LoanOriginationFeeMember ck0001364783:LevelPMember 2026-11-02 2026-11-02 0001364783 ck0001364783:AnnualMaintenanceFeeMember ck0001364783:LevelTwoMember 2026-11-02 2026-11-02 0001364783 ck0001364783:AnnualMaintenanceFeeMember ck0001364783:LevelThreeMember 2026-11-02 2026-11-02 0001364783 ck0001364783:AnnualMaintenanceFeeMember ck0001364783:LevelFourMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LoanOriginationFeeMember ck0001364783:LevelOneMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LoanOriginationFeeMember ck0001364783:LevelTwoMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LoanOriginationFeeMember ck0001364783:LevelThreeMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LoanOriginationFeeMember ck0001364783:LevelFourMember 2026-11-02 2026-11-02 0001364783 ck0001364783:AnnualMaintenanceFeeMember ck0001364783:LevelPMember 2026-11-02 2026-11-02 0001364783 ck0001364783:AnnualMaintenanceFeeMember ck0001364783:LevelOneMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelPMember ck0001364783:PayoutAnnuityExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelOneMember ck0001364783:PayoutAnnuityExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelTwoMember ck0001364783:PayoutAnnuityExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelFourMember ck0001364783:AccumulationExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelThreeMember ck0001364783:PayoutAnnuityExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelFourMember ck0001364783:PayoutAnnuityExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelPMember ck0001364783:AccumulationExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelOneMember ck0001364783:AccumulationExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelTwoMember ck0001364783:AccumulationExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:LevelThreeMember ck0001364783:AccumulationExpensesMember 2026-11-02 2026-11-02 0001364783 ck0001364783:BeforeContractualFeeWaiverExpenseReimbursementsMember 2026-11-02 2026-11-02 0001364783 ck0001364783:AfterContractualFeeWaiverExpenseReimbursementsMember 2026-11-02 2026-11-02 0001364783 ck0001364783:C000032692Member 2026-11-02 2026-11-02 0001364783 ck0001364783:C000214946Member 2026-11-02 2026-11-02 pure iso4217:USD 0001364783 false Vanguard® International Core Stock Fund (Admiral Shares) Cohen &amp; Steers Institutional Realty Shares (Institutional Class) N-4 N-4 TIAA Separate Account VA-3 2026-11-02 <div style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow">1) The section “Important information you should consider about the Contract - Fees, Expenses and Adjustments - Are there Ongoing Fees and Expenses (annual charges)?” is deleted in its entirety and replaced with the following: </div><div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:20%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:13%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:13%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:17%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:7pt"> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td colspan="5" style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">Location in Prospectus</td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top">Are there Ongoing Fees and Expenses (annual charges)?</td> <td style="vertical-align:bottom"> </td> <td colspan="5" style="vertical-align:top">The table below describes the fees and expenses that you may pay <span style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-style:italic;display:inline;">each year</span></span>, depending on the options you choose. The fees and expenses in the table do not reflect any advisory fees you may elect to pay to financial intermediaries. Please refer to your plan documents for information about the specific fees you will pay each year based on the options you have elected.</td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:top"></td></tr> <tr style="font-size:1pt"> <td style="height:6pt"></td> <td colspan="2" style="height:6pt"></td> <td colspan="2" style="height:6pt"></td> <td colspan="2" style="height:6pt"></td> <td colspan="2" style="height:6pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: bottom; padding-bottom: 0.5pt; width: 20%;"> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; width: 33%; border-bottom: 1pt solid rgb(0, 0, 0);">Annual Fee</td> <td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; width: 13%; border-bottom: 1pt solid rgb(0, 0, 0);">Minimum</td> <td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; width: 13%; border-bottom: 1pt solid rgb(0, 0, 0);">Maximum</td> <td style="vertical-align: bottom; padding-bottom: 0.5pt; width: 2%;">  </td> <td style="vertical-align: bottom; padding-bottom: 0.5pt; width: 17%;"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt; width: 20%;"></td> <td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: top; white-space: nowrap; width: 33%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Base Contract</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">(varies by Contract Levels P, 1–4)<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1</span></div></td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">0.075%<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span></td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">0.75%<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span></td> <td style="vertical-align: bottom; padding-bottom: 0.375pt; width: 2%;">  </td> <td style="vertical-align: bottom; white-space: nowrap; padding-bottom: 0.375pt; width: 17%;">What are the charges and expenses of the Contract?</td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt; width: 20%;"></td> <td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: top; white-space: nowrap; width: 33%; border-bottom: 0.75pt solid rgb(0, 0, 0);">Investment Options (Underlying Fund fees and expenses)</td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">0.02%<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3</span></td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">1.06%<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3</span></td> <td style="vertical-align: bottom; padding-bottom: 0.375pt; width: 2%;">  </td> <td style="vertical-align: bottom; white-space: nowrap; padding-bottom: 0.375pt; width: 17%;"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Appendix A—Funds</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">available under the Contract</div></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt; width: 20%;"></td> <td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: top; white-space: nowrap; width: 33%; border-bottom: 0.75pt solid rgb(0, 0, 0);">Optional benefits available for an additional charge (for a single optional benefit, if elected)<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">4</span></td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">None</td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">None</td> <td style="vertical-align: bottom; padding-bottom: 0.375pt; width: 2%;">  </td> <td style="vertical-align: bottom; white-space: nowrap; padding-bottom: 0.375pt; width: 17%;"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Transfers and access to your money</div></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="5" style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">¹ A Level P Contract will have the lowest minimum Annual Base Contract Fee and a<br/> Level 4 Contract will have the highest maximum Annual Base Contract Fee. <div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: &quot;Arial Narrow&quot;; font-size: 8.5pt; line-height: normal;">² As a percentage of average Accumulation. The contractual maximum fee is 2.00%.</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: &quot;Arial Narrow&quot;; font-size: 8.5pt; line-height: normal;">³ As a percentage of fund assets (after contractual fee waiver/expense<br/>reimbursements, if applicable).</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: &quot;Arial Narrow&quot;; font-size: 8.5pt; line-height: normal;"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">4</span> There is no charge for any elected optional benefit under your Contract.</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width: 9%;"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width: 44%;"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width: 1%;"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width: 14%;"></td> <td style="vertical-align: bottom; width: 10%;"></td> <td style="width: 20%;"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="5" style="vertical-align:bottom">Because your Contract is customizable, the choices you make affect how much you<br/>will pay. To help you understand the cost of owning your Contract, the following table<br/>shows the lowest and highest cost you could pay <span style="font-style:italic;display:inline;">each year</span>, based on current charges.<br/>This estimate assumes that you do not take withdrawals from the Contract.</td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:6pt"></td> <td colspan="2" style="height:6pt"></td> <td colspan="4" style="height:6pt"></td> <td colspan="2" style="height:6pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Lowest Annual Costs:</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8.5pt; font-family:Arial Narrow">$95</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td colspan="3" style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Highest Annual Cost:</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8.5pt; font-family:Arial Narrow">$1,673</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Assumes:</div><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Investment of $100,000</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">5% annual appreciation</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Least expensive combination of<br/>Contract Levels<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1 </span>and Underlying Fund<br/>fees and expenses</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No optional benefits</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No sales charges or advisory fees</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No additional purchase payments,<br/>transfers or withdrawals</div></div></div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td colspan="3" style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Assumes:</div><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Investment of $100,000</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">5% annual appreciation</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Most expensive combination of Contract<br/>Levels,<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span> optional benefits<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3 </span>and<br/>Underlying Fund fees and expenses</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No sales charges or advisory fees</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No additional purchase payments,<br/>transfers or withdrawals</div></div></div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="5" style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1</span> Includes the lowest annual cost of a Contract Level, which is a Level P Contract.<br/><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span> Includes the highest annual cost of a Contract Level, which is a Level 4 Contract.<br/><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3</span> There is no charge for any elected optional benefit under your Contract.</td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:20%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:13%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:13%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:17%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:7pt"> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td colspan="5" style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">Location in Prospectus</td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top">Are there Ongoing Fees and Expenses (annual charges)?</td> <td style="vertical-align:bottom"> </td> <td colspan="5" style="vertical-align:top">The table below describes the fees and expenses that you may pay <span style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-style:italic;display:inline;">each year</span></span>, depending on the options you choose. The fees and expenses in the table do not reflect any advisory fees you may elect to pay to financial intermediaries. Please refer to your plan documents for information about the specific fees you will pay each year based on the options you have elected.</td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:top"></td></tr> <tr style="font-size:1pt"> <td style="height:6pt"></td> <td colspan="2" style="height:6pt"></td> <td colspan="2" style="height:6pt"></td> <td colspan="2" style="height:6pt"></td> <td colspan="2" style="height:6pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: bottom; padding-bottom: 0.5pt; width: 20%;"> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; width: 33%; border-bottom: 1pt solid rgb(0, 0, 0);">Annual Fee</td> <td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; width: 13%; border-bottom: 1pt solid rgb(0, 0, 0);">Minimum</td> <td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; width: 13%; border-bottom: 1pt solid rgb(0, 0, 0);">Maximum</td> <td style="vertical-align: bottom; padding-bottom: 0.5pt; width: 2%;">  </td> <td style="vertical-align: bottom; padding-bottom: 0.5pt; width: 17%;"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt; width: 20%;"></td> <td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: top; white-space: nowrap; width: 33%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Base Contract</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">(varies by Contract Levels P, 1–4)<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1</span></div></td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">0.075%<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span></td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">0.75%<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span></td> <td style="vertical-align: bottom; padding-bottom: 0.375pt; width: 2%;">  </td> <td style="vertical-align: bottom; white-space: nowrap; padding-bottom: 0.375pt; width: 17%;">What are the charges and expenses of the Contract?</td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt; width: 20%;"></td> <td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: top; white-space: nowrap; width: 33%; border-bottom: 0.75pt solid rgb(0, 0, 0);">Investment Options (Underlying Fund fees and expenses)</td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">0.02%<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3</span></td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">1.06%<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3</span></td> <td style="vertical-align: bottom; padding-bottom: 0.375pt; width: 2%;">  </td> <td style="vertical-align: bottom; white-space: nowrap; padding-bottom: 0.375pt; width: 17%;"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Appendix A—Funds</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">available under the Contract</div></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt; width: 20%;"></td> <td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: top; white-space: nowrap; width: 33%; border-bottom: 0.75pt solid rgb(0, 0, 0);">Optional benefits available for an additional charge (for a single optional benefit, if elected)<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">4</span></td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">None</td> <td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: top; white-space: nowrap; width: 13%; border-bottom: 0.75pt solid rgb(0, 0, 0);">None</td> <td style="vertical-align: bottom; padding-bottom: 0.375pt; width: 2%;">  </td> <td style="vertical-align: bottom; white-space: nowrap; padding-bottom: 0.375pt; width: 17%;"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Transfers and access to your money</div></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="5" style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">¹ A Level P Contract will have the lowest minimum Annual Base Contract Fee and a<br/> Level 4 Contract will have the highest maximum Annual Base Contract Fee. <div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: &quot;Arial Narrow&quot;; font-size: 8.5pt; line-height: normal;">² As a percentage of average Accumulation. The contractual maximum fee is 2.00%.</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: &quot;Arial Narrow&quot;; font-size: 8.5pt; line-height: normal;">³ As a percentage of fund assets (after contractual fee waiver/expense<br/>reimbursements, if applicable).</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: &quot;Arial Narrow&quot;; font-size: 8.5pt; line-height: normal;"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">4</span> There is no charge for any elected optional benefit under your Contract.</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width: 9%;"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width: 44%;"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width: 1%;"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width: 14%;"></td> <td style="vertical-align: bottom; width: 10%;"></td> <td style="width: 20%;"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="5" style="vertical-align:bottom">Because your Contract is customizable, the choices you make affect how much you<br/>will pay. To help you understand the cost of owning your Contract, the following table<br/>shows the lowest and highest cost you could pay <span style="font-style:italic;display:inline;">each year</span>, based on current charges.<br/>This estimate assumes that you do not take withdrawals from the Contract.</td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:6pt"></td> <td colspan="2" style="height:6pt"></td> <td colspan="4" style="height:6pt"></td> <td colspan="2" style="height:6pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Lowest Annual Costs:</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8.5pt; font-family:Arial Narrow">$95</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td colspan="3" style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Highest Annual Cost:</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8.5pt; font-family:Arial Narrow">$1,673</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Assumes:</div><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Investment of $100,000</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">5% annual appreciation</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Least expensive combination of<br/>Contract Levels<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1 </span>and Underlying Fund<br/>fees and expenses</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No optional benefits</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No sales charges or advisory fees</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No additional purchase payments,<br/>transfers or withdrawals</div></div></div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td colspan="3" style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Assumes:</div><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Investment of $100,000</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">5% annual appreciation</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Most expensive combination of Contract<br/>Levels,<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span> optional benefits<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3 </span>and<br/>Underlying Fund fees and expenses</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No sales charges or advisory fees</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No additional purchase payments,<br/>transfers or withdrawals</div></div></div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="5" style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1</span> Includes the lowest annual cost of a Contract Level, which is a Level P Contract.<br/><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span> Includes the highest annual cost of a Contract Level, which is a Level 4 Contract.<br/><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3</span> There is no charge for any elected optional benefit under your Contract.</td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td></tr></table> 0.00075 0.0075 0.0002 0.0106 0 0 A Level P Contract will have the lowest minimum Annual Base Contract Fee and a<br/> Level 4 Contract will have the highest maximum Annual Base Contract Fee. As a percentage of fund assets (after contractual fee waiver/expense<br/>reimbursements, if applicable). There is no charge for any elected optional benefit under your Contract. <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width: 9%;"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width: 44%;"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width: 1%;"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width: 14%;"></td> <td style="vertical-align: bottom; width: 10%;"></td> <td style="width: 20%;"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td colspan="5" style="vertical-align:bottom">Because your Contract is customizable, the choices you make affect how much you<br/>will pay. To help you understand the cost of owning your Contract, the following table<br/>shows the lowest and highest cost you could pay <span style="font-style:italic;display:inline;">each year</span>, based on current charges.<br/>This estimate assumes that you do not take withdrawals from the Contract.</td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:6pt"></td> <td colspan="2" style="height:6pt"></td> <td colspan="4" style="height:6pt"></td> <td colspan="2" style="height:6pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Lowest Annual Costs:</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8.5pt; font-family:Arial Narrow">$95</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td colspan="3" style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Highest Annual Cost:</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8.5pt; font-family:Arial Narrow">$1,673</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Assumes:</div><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Investment of $100,000</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">5% annual appreciation</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Least expensive combination of<br/>Contract Levels<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1 </span>and Underlying Fund<br/>fees and expenses</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No optional benefits</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No sales charges or advisory fees</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No additional purchase payments,<br/>transfers or withdrawals</div></div></div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td colspan="3" style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Arial Narrow">Assumes:</div><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Investment of $100,000</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">5% annual appreciation</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">Most expensive combination of Contract<br/>Levels,<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span> optional benefits<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3 </span>and<br/>Underlying Fund fees and expenses</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No sales charges or advisory fees</div></div></div><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:Arial Narrow">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.211765em; font-family:Arial Narrow">No additional purchase payments,<br/>transfers or withdrawals</div></div></div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="5" style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1</span> Includes the lowest annual cost of a Contract Level, which is a Level P Contract.<br/><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span> Includes the highest annual cost of a Contract Level, which is a Level 4 Contract.<br/><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">3</span> There is no charge for any elected optional benefit under your Contract.</td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td></tr></table> 95 1673 <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow">2) The section “Fee and Expense Tables - TRANSACTION EXPENSES” is deleted in its entirety and replaced with the following: </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:95%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Franklin Gothic Medium&quot;; line-height: normal;">TRANSACTION EXPENSES</div></td> <td style="vertical-align:bottom">  </td> <td colspan="9" style="vertical-align:bottom"></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:50%"></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="17" style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Charge</td> <td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contracts</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level P</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 1</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 2</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 3</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 4</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom:3pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Sales load imposed on purchases<br/>(as a percentage of Premiums)</div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom:3pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Deferred sales load (or surrender charge)<br/>(as a percentage of Premiums or amount<br/>surrendered, as applicable)</div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom:3pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Exchange fee<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1</span></div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom:3pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Retirement Plan Loan (Loan Origination Fee)<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span></div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom: 3pt; vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Retirement Plan Loan (Annual Maintenance Fee)<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span></div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1.</span> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">We do not charge an exchange fee, but we reserve the right to administer and collect a redemption fee imposed by an Underlying Fund that may impose them. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2.</span> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">A Retirement Plan Loan includes a $75 <span style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">one-time</span> origination fee or $125 for a residential loan and a $25 annual maintenance fee. </div></td></tr></table><div style="margin-top:36pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow">3) The section “Fee and Expense Tables - ANNUAL CONTRACT EXPENSES” is deleted in its entirety and replaced with the following: </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:9pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:95%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:9pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Franklin Gothic Medium&quot;; line-height: normal;">ANNUAL CONTRACT EXPENSES</div></td> <td style="vertical-align:bottom">  </td> <td colspan="9" style="vertical-align:bottom"></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:55%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="17" style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Charge</td> <td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract - Accumulation Expenses</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level P</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 1</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 2</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 3</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 4</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Administrative Expense (Annual Account Fee)¹</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Base Contract Expenses (as a percentage of<br/>average account value)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.075%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.10%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.30%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.45%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.75%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom: 3pt; vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Optional Benefit Expenses (as a percentage of<br/>average account value)¹</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1.</span> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">We do not charge an annual account fee nor a fee for optional benefits. However, the Base Contract Expenses include an administrative expense charge </div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:55%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="17" style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Charge</td> <td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract - Payout Annuity Expenses</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level P</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 1</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 2</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 3</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 4</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Administrative Expense (Annual Account Fee)¹</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Base Contract Expenses (as a percentage of<br/>average account value)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom: 3pt; vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Optional Benefit Expenses (as a percentage of<br/>average account value)¹</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1.</span> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">We do not charge an annual account fee nor a fee for optional benefits. However, the Base Contract Expenses include an administrative expense charge. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow;text-align:center"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow">4) The section “Fee and Expense Tables - ANNUAL FUND EXPENSES” is deleted in its entirety and replaced with the following: </div><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">ANNUAL FUND EXPENSES </div><div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:77%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">Minimum</td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">Maximum</td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Expenses that are deducted from fund assets, including management fees, distribution and/or service <span style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(12b-1)</span> fees and other expenses (before contractual fee waiver/expense reimbursements)</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom;white-space:nowrap;text-align:center">0.02%</td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom;white-space:nowrap;text-align:center">4.29%</td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom: 3pt; vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Expenses that are deducted from fund assets, including management fees, distribution and/or service <span style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(12b-1)</span> fees and other expenses (after contractual fee waiver/expense reimbursements)*</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">0.02%</td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">1.06%</td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:9pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left">*</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">Certain funds’ expenses in this table are subject to a fee waiver or an expense reimbursement arrangement. Please see, <span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">“Appendix A—Funds available under the Contract” </span></span>below for additional information. </div></td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow">5) In the section titled “Example” the following is added: </div><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL P CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,163 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$3,626</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$6,281</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$13,862</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$97 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$307</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$537</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,219</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 1 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,189 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$3,705</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$6,416</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$14,151</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$123 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$387</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$678</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,538</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 2 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,394 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,335</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$7,491</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$16,434</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$328 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,031</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,801</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,063</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 3 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,548 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,805</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$8,292</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$18,117</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$482 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,512</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$2,636</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$5,925</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow;text-align:center"> </div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 4 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:10pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1 year</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">10 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period<div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$1,855</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$5,743</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$9,878</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$21,411</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period<div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$789</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$2,469</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$4,293</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$9,569</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:95%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Franklin Gothic Medium&quot;; line-height: normal;">TRANSACTION EXPENSES</div></td> <td style="vertical-align:bottom">  </td> <td colspan="9" style="vertical-align:bottom"></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:50%"></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:6%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="17" style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Charge</td> <td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contracts</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level P</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 1</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 2</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 3</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 4</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom:3pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Sales load imposed on purchases<br/>(as a percentage of Premiums)</div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom:3pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Deferred sales load (or surrender charge)<br/>(as a percentage of Premiums or amount<br/>surrendered, as applicable)</div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom:3pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Exchange fee<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1</span></div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">none</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom:3pt ;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Retirement Plan Loan (Loan Origination Fee)<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span></div></td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom">  </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom;text-align:right">$125</td> <td style="padding-bottom:3pt ;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom: 3pt; vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Retirement Plan Loan (Annual Maintenance Fee)<span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2</span></div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$25</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="font-size:3pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1.</span> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">We do not charge an exchange fee, but we reserve the right to administer and collect a redemption fee imposed by an Underlying Fund that may impose them. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">2.</span> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">A Retirement Plan Loan includes a $75 <span style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">one-time</span> origination fee or $125 for a residential loan and a $25 annual maintenance fee. </div></td></tr></table> 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 125 125 125 125 125 25 25 25 25 25 We do not charge an exchange fee, but we reserve the right to administer and collect a redemption fee imposed by an Underlying Fund that may impose them. A Retirement Plan Loan includes a $75 <span style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">one-time</span> origination fee or $125 for a residential loan and a $25 annual maintenance fee. <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:9pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:95%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:9pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Franklin Gothic Medium&quot;; line-height: normal;">ANNUAL CONTRACT EXPENSES</div></td> <td style="vertical-align:bottom">  </td> <td colspan="9" style="vertical-align:bottom"></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:55%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="17" style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Charge</td> <td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract - Accumulation Expenses</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level P</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 1</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 2</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 3</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 4</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Administrative Expense (Annual Account Fee)¹</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Base Contract Expenses (as a percentage of<br/>average account value)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.075%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.10%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.30%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.45%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.75%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom: 3pt; vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Optional Benefit Expenses (as a percentage of<br/>average account value)¹</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1.</span> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">We do not charge an annual account fee nor a fee for optional benefits. However, the Base Contract Expenses include an administrative expense charge </div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:55%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td colspan="17" style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Charge</td> <td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract - Payout Annuity Expenses</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level P</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 1</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 2</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 3</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> Level 4</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Administrative Expense (Annual Account Fee)¹</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">none</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Base Contract Expenses (as a percentage of<br/>average account value)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:bottom;text-align:center">0.34%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom: 3pt; vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Optional Benefit Expenses (as a percentage of<br/>average account value)¹</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">none</td> <td style="padding-bottom: 3pt; white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"><span style="font-size:75%; vertical-align:top;display:inline;font-size:7.1px">1.</span> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">We do not charge an annual account fee nor a fee for optional benefits. However, the Base Contract Expenses include an administrative expense charge. </div></td></tr></table> 0 0 0 0 0 0.00075 0.001 0.003 0.0045 0.0075 0 0 0 0 0 We do not charge an annual account fee nor a fee for optional benefits. However, the Base Contract Expenses include an administrative expense charge 0 0 0 0 0 0.0034 0.0034 0.0034 0.0034 0.0034 0 0 0 0 0 We do not charge an annual account fee nor a fee for optional benefits. However, the Base Contract Expenses include an administrative expense charge. <div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">ANNUAL FUND EXPENSES </div><div style="font-size:6pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:77%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">Minimum</td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">Maximum</td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Expenses that are deducted from fund assets, including management fees, distribution and/or service <span style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(12b-1)</span> fees and other expenses (before contractual fee waiver/expense reimbursements)</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom;white-space:nowrap;text-align:center">0.02%</td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom;white-space:nowrap;text-align:center">4.29%</td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="padding-bottom: 3pt; vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Expenses that are deducted from fund assets, including management fees, distribution and/or service <span style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(12b-1)</span> fees and other expenses (after contractual fee waiver/expense reimbursements)*</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">0.02%</td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="padding-bottom: 3pt; vertical-align: bottom; white-space: nowrap; text-align: center; border-bottom: 1pt solid rgb(0, 0, 0);">1.06%</td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:9pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left">*</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">Certain funds’ expenses in this table are subject to a fee waiver or an expense reimbursement arrangement. Please see, <span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">“Appendix A—Funds available under the Contract” </span></span>below for additional information. </div></td></tr></table> Expenses that are deducted from fund assets, including management fees, distribution and/or service <span style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(12b-1)</span> fees and other expenses (before contractual fee waiver/expense reimbursements) 0.0002 0.0429 Expenses that are deducted from fund assets, including management fees, distribution and/or service <span style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(12b-1)</span> fees and other expenses (after contractual fee waiver/expense reimbursements)* 0.0002 0.0106 Certain funds’ expenses in this table are subject to a fee waiver or an expense reimbursement arrangement. Please see, <span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">“Appendix A—Funds available under the Contract” </span></span>below for additional information. <div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL P CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,163 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$3,626</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$6,281</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$13,862</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$97 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$307</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$537</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,219</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 1 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,189 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$3,705</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$6,416</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$14,151</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$123 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$387</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$678</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,538</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 2 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,394 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,335</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$7,491</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$16,434</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$328 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,031</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,801</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,063</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 3 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,548 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,805</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$8,292</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$18,117</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$482 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,512</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$2,636</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$5,925</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow;text-align:center"> </div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 4 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:10pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1 year</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">10 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period<div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$1,855</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$5,743</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$9,878</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$21,411</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period<div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$789</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$2,469</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$4,293</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$9,569</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL P CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,163 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$3,626</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$6,281</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$13,862</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$97 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$307</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$537</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,219</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 1 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,189 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$3,705</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$6,416</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$14,151</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$123 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$387</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$678</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,538</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 2 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,394 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,335</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$7,491</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$16,434</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$328 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,031</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,801</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,063</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 3 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,548 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,805</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$8,292</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$18,117</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$482 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,512</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$2,636</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$5,925</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow;text-align:center"> </div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 4 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:10pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1 year</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">10 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period<div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$1,855</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$5,743</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$9,878</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$21,411</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period<div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$789</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$2,469</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$4,293</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$9,569</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL P CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,163 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$3,626</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$6,281</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$13,862</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$97 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$307</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$537</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,219</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 1 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,189 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$3,705</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$6,416</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$14,151</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$123 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$387</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$678</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,538</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 2 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,394 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,335</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$7,491</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$16,434</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$328 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,031</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,801</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,063</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 3 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8.5pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1 year</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">5 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">10 years</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,548 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$4,805</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$8,292</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$18,117</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom">  </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period</div></td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">$482 </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$1,512</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$2,636</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">  </td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> <td style="white-space: nowrap; vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">$5,925</td> <td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow;text-align:center"> </div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:8.5pt; font-family:Franklin Gothic Medium">LEVEL 4 CONTRACT </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:10pt;width:90%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8.5pt"> <td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8.5pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Contract Value</div></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1 year</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">10 years</td> <td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; font-weight: bold; line-height: normal;">Maximum</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period<div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$1,855</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$5,743</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$9,878</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$21,411</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;">Minimum</div><div style="font-size: 3pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>If you surrender, annuitize or remain invested in your<br/>Contract at the end of applicable time period<div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$789</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$2,469</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$4,293</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">  </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">$9,569</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> 1163 1163 1163 3626 3626 3626 6281 6281 6281 13862 13862 13862 97 97 97 307 307 307 537 537 537 1219 1219 1219 1189 1189 1189 3705 3705 3705 6416 6416 6416 14151 14151 14151 123 123 123 387 387 387 678 678 678 1538 1538 1538 1394 1394 1394 4335 4335 4335 7491 7491 7491 16434 16434 16434 328 328 328 1031 1031 1031 1801 1801 1801 4063 4063 4063 1548 1548 1548 4805 4805 4805 8292 8292 8292 18117 18117 18117 482 482 482 1512 1512 1512 2636 2636 2636 5925 5925 5925 1855 1855 1855 5743 5743 5743 9878 9878 9878 21411 21411 21411 789 789 789 2469 2469 2469 4293 4293 4293 9569 9569 9569 <div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow"><span style="display:inline;">10) <span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">The section “Appendix <span style="white-space:nowrap;display:inline;">A-Funds</span> Available Under the Contract” is updated as follows:</span></span></span> </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:5%;vertical-align:top;text-align:left">a.</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;">References to “Teachers Advisors, LLC” are hereby deleted and replaced with “Nuveen Fund Advisors, LLC (Investment adviser) and Nuveen Asset Management, LLC (Subadviser).” </div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:5%;vertical-align:top;text-align:left"><span style="display:inline;">b.</span></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;"><span style="display:inline;">Current expenses for the Lazard International Equity Portfolio (R6 Class) are 0.80%. </span></div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:5%;vertical-align:top;text-align:left"><span style="display:inline;">c.</span></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;"><span style="display:inline;">The following are added to the table: </span></div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:6%"></td> <td style="vertical-align:bottom;width:6%"></td> <td style="width:48%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8pt"> <td rowspan="2" style="BORDER:1.00pt solid #000000; padding-left:8pt;vertical-align:bottom;white-space:nowrap"><span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="display:inline;font-weight:bolder;display:inline;">Type</span></span></td> <td rowspan="2" style=" BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"><span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="display:inline;font-weight:bolder;display:inline;">Funds and Adviser/Subadviser</span></span></td> <td rowspan="2" style=" BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"><span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="display:inline;font-weight:bolder;display:inline;">Current<br/>Expenses</span></span></td> <td style=" BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td colspan="5" style="BORDER-TOP:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><span style="display:inline;"><span style="letter-spacing: 0px; top: 0px;display:inline;"></span>Average Annual Total Returns</span><br/><span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="display:inline;font-weight:bolder;display:inline;">12/31/25</span></span></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8pt"> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"><span style="display:inline;">One Year</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"><span style="letter-spacing: 0px; top: 0px;display:inline;"></span><span style="display:inline;">Five Year</span><span style="letter-spacing: 0px; top: 0px;display:inline;"></span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000; padding-right:2pt;vertical-align:bottom"><span style="letter-spacing: 0px; top: 0px;display:inline;"></span><span style="display:inline;">Ten Year</span><span style="letter-spacing: 0px; top: 0px;display:inline;"></span></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8pt"> <td style="BORDER-LEFT:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000; padding-left:8pt;vertical-align:top"><span style="display:inline;">Specialty</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;"><span style="-sec-ix-hidden:hidden173012619;display:inline;">Cohen &amp; Steers Institutional Realty Shares</span></span></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;">(Institutional Class)</span></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;">Cohen &amp; Steers Capital Management Inc.</span></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">0.75%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">3.09%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">5.77%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">6.48%</span></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8pt"> <td style="BORDER-LEFT:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000; padding-left:8pt;vertical-align:top"><span style="display:inline;">Equity</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;"><span style="-sec-ix-hidden:hidden173012620;display:inline;"><span style="-sec-ix-hidden:hidden173012620;display:inline;">Vanguard<span style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</span> International Core Stock Fund (Admiral</span></span></span></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;">Shares)</span></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;">Wellington Management Company LLP</span></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">0.38%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">38.51%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">11.48%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">11.99%</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%"> </td> <td style="width:5%;vertical-align:top;text-align:left"><span style="display:inline;">c.</span></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Arial Narrow&quot;; text-align: left; line-height: normal;"><span style="display:inline;">The following are added to the table: </span></div></td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:6%"></td> <td style="vertical-align:bottom;width:6%"></td> <td style="width:48%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8pt"> <td rowspan="2" style="BORDER:1.00pt solid #000000; padding-left:8pt;vertical-align:bottom;white-space:nowrap"><span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="display:inline;font-weight:bolder;display:inline;">Type</span></span></td> <td rowspan="2" style=" BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"><span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="display:inline;font-weight:bolder;display:inline;">Funds and Adviser/Subadviser</span></span></td> <td rowspan="2" style=" BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"><span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="display:inline;font-weight:bolder;display:inline;">Current<br/>Expenses</span></span></td> <td style=" BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td colspan="5" style="BORDER-TOP:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><span style="display:inline;"><span style="letter-spacing: 0px; top: 0px;display:inline;"></span>Average Annual Total Returns</span><br/><span style="letter-spacing: 0px; top: 0px;display:inline;"><span style="display:inline;font-weight:bolder;display:inline;">12/31/25</span></span></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8pt"> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"><span style="display:inline;">One Year</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"><span style="letter-spacing: 0px; top: 0px;display:inline;"></span><span style="display:inline;">Five Year</span><span style="letter-spacing: 0px; top: 0px;display:inline;"></span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000; padding-right:2pt;vertical-align:bottom"><span style="letter-spacing: 0px; top: 0px;display:inline;"></span><span style="display:inline;">Ten Year</span><span style="letter-spacing: 0px; top: 0px;display:inline;"></span></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8pt"> <td style="BORDER-LEFT:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000; padding-left:8pt;vertical-align:top"><span style="display:inline;">Specialty</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;"><span style="-sec-ix-hidden:hidden173012619;display:inline;">Cohen &amp; Steers Institutional Realty Shares</span></span></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;">(Institutional Class)</span></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;">Cohen &amp; Steers Capital Management Inc.</span></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">0.75%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">3.09%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">5.77%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">6.48%</span></td></tr> <tr style="page-break-inside:avoid ; font-family:Arial Narrow; font-size:8pt"> <td style="BORDER-LEFT:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000; padding-left:8pt;vertical-align:top"><span style="display:inline;">Equity</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;"><span style="-sec-ix-hidden:hidden173012620;display:inline;"><span style="-sec-ix-hidden:hidden173012620;display:inline;">Vanguard<span style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</span> International Core Stock Fund (Admiral</span></span></span></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;">Shares)</span></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: &quot;Arial Narrow&quot;; line-height: normal;"><span style="display:inline;">Wellington Management Company LLP</span></div></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">0.38%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">38.51%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">11.48%</span></td> <td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><span style="display:inline;">11.99%</span></td></tr></table> Specialty Cohen &amp; Steers Capital Management Inc. 0.0075 0.0309 0.0577 0.0648 Equity Wellington Management Company LLP 0.0038 0.3851 0.1148 0.1199 A Level P Contract will have the lowest minimum Annual Base Contract Fee and a Level 4 Contract will have the highest maximum Annual Base Contract Fee. As a percentage of average Accumulation. The contractual maximum fee is 2.00%. As a percentage of fund assets (after contractual fee waiver/expense reimbursements, if applicable). There is no charge for any elected optional benefit under your Contract. No, the Contract does not impose a transfer charge but the Underlying Funds may impose transfer fees. Further, loan fees may apply if your employer’s plan provides for loans and you request one. A Retirement Plan Loan includes a $75 one-time origination fee or $125 for a residential loan and a $25 annual maintenance fee. We do not charge an annual account fee nor a fee for optional benefits. However, the Base Contract Expenses include an administrative expense charge. We do not charge an annual account fee nor a fee for optional benefits. However, the Base Contract Expenses include an administrative expense charge Certain funds’ expenses in this table are subject to a fee waiver or an expense reimbursement arrangement. Please see, “Appendix A—Funds available under the Contract” below for additional information.