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Between the Term Start Date and the Term End Date, an Interim Value calculation is used to determine the amounts available for annuitization, death benefit payments, withdrawals (including RMDs and systematic withdrawals), Surrenders, and Performance Lock. See "CHARGES, FEES, AND ADJUSTMENTS -- Interim Value Calculation" for more information. Brighthouse Life Insurance Company of NY 0001167609 false 0.0350 0.0450 0.0450 0.0350 0.0450 0.0450 0.0450 0.1350 0.0350 0.0450 0.0450 0.0450 0.1350 0.0350 0.0450 0.0450 0.0450 0.1350 0.0350 0.0450 0.0450 0.0450 0.1350 0.0350 0.0450 0.0450 0.0954 0.1942 -0.0624 0.2888 0.1626 0.2689 -0.1944 0.2423 0.2331 0.1639 0.0500 0.0500 0.0000 0.0500 0.0500 0.0500 -0.0944 0.0500 0.0500 0.0500 0.1948 0.1314 -0.1218 0.2372 0.1836 0.1369 -0.2156 0.1509 0.1002 0.1129 0.0500 0.0500 -0.0218 0.0500 0.0500 0.0500 -0.1156 0.0500 0.0500 0.0500 -0.0188 0.2178 -0.1614 0.1844 0.0543 0.0878 -0.1679 0.1503 0.0115 0.2789 0.0000 0.0500 -0.0614 0.0500 0.0500 0.0500 -0.0679 0.0500 0.0115 0.0500 0.0589 0.3152 -0.0104 0.3796 0.4758 0.2663 -0.3297 0.5381 0.2488 0.2017 0.0500 0.0500 0.0000 0.0500 0.0500 0.0500 -0.2297 0.0500 0.0500 0.0500 2026-04-20 N-4 N-4 <span style="font-family:Arial Narrow;font-size:10pt;">You could lose a significant amount of money if the </span><span style="font-family:Arial Narrow;font-size:10pt;">Index declines in value.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Options offer guarantees against a specified level of negative interest—guarantees we call “Shield Rates.” We use the Shield Rates to limit the negative Index Performance used in calculating the interest rate credited to a Shield Option at the Term End Date (the “Performance Rate”). </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The protections specified by the </span><span style="font-family:Arial Narrow;font-size:10pt;">Shield Rate and the level of positive investment experience that can be credited to the Account Value allowed by the Cap Rate or specified by the Step Rate or Edge Rate are only fully available for the amounts held until the end of the Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We currently offer </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Rates of 10% (“Shield 10”), 15% (“Shield 15”), or 25% (“Shield 25”). The Shield Rate is a limited buffer where we absorb any negative Index Performance on the Term End Date up to the Shield Rate. Any negative Index Performance beyond the Shield Rate will reduce the Investment Amount associated with the Shield Option. For example, -15% Index Performance with a 10% Shield Rate will result in a -5% Performance Rate (the amount of negative Index Performance that exceeds the Shield Rate), meaning that we will reduce the Investment Amount associated with the Shield Option by -5%.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We currently offer </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Rates of 10% (“Shield 10”), 15% (“Shield 15”), or 25% (“Shield 25”). The Shield Rate is a limited buffer where we absorb any negative Index Performance on the Term End Date up to the Shield Rate. Any negative Index Performance beyond the Shield Rate will reduce the Investment Amount associated with the Shield Option. For example, -15% Index Performance with a 10% Shield Rate will result in a -5% Performance Rate (the amount of negative Index Performance that exceeds the Shield Rate), meaning that we will reduce the Investment Amount associated with the Shield Option by -5%.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">We do not guarantee that there will always be a </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Option under the Contract that provides this minimum amount of downside protection; however, there will always be at least one Shield Option available</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with a</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">minimum</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">of 10% downside protection.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Option also has a Rate Crediting Type. The Cap Rate, Step Rate, and Step Rate Edge (each, a “Rate Crediting Type”) are the three ways we offer that you can potentially receive positive interest based on the performance of an Index. We limit the positive Index Performance used in calculating the interest credited to a Shield Option at the Term End Date through the Cap Rate, Step Rate, or Step Rate Edge. Positive interest may be credited up to the specified Cap Rate or equal to the specified Step Rate or Edge Rate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Cap Rate is the maximum rate that may be credited at the Term End Date based on Index Performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">example, if you invest in a Shield Option with a 10% Cap Rate, and the Index Performance is 15% at the end of the Term, the Performance Rate will be 10% (the Index Performance up to the Cap Rate), meaning that we will increase the Investment Amount associated with the Shield Option by 10%.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Step Rate is the rate credited at the Term End Date if the Index Performance is equal to or greater than zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">example, if you invest in a Shield Option with an 8% Step Rate, and the Index Performance is 15% at the end of the Term, the Performance Rate will be 8% (the Step Rate), meaning that we will increase the Investment Amount associated with the Shield Option by 8%.</span><span style="font-family:Arial Narrow;font-size:10pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;">For Shield Options with Step Rate Edge, the Edge Rate is the rate credited at the Term End Date if the Index Performance is equal to or greater than the Shield Rate. For example, if you invest in a Shield Option with a 10% Shield Rate and a 7% Edge Rate, and the Index Performance at the end of the Term is 3% (Index Performance greater than the Shield Rate), the Performance Rate will equal the Edge Rate, or 7%. This means that we will increase the Investment Amount associated with the Shield Option by 7%. Similarly, if the Index Performance is -10% (Index Performance equal to the Shield Rate), the Performance Rate will also equal the Edge Rate, or 7%. On the other hand, if the Index Performance is -15% (Index Performance</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">is negative by more than the Shield Rate), the Performance Rate will equal -5% (the negative Index Performance in excess of the Shield Rate). This means that we will decrease the Investment Amount associated with the Shield Option by -5%. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Shield Options</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> with a Cap Rate are described in the Cap Rate</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Option Rider attached to your Contract. Shield Options with a Step Rate are described in the Step Rate</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Option Rider attached to your Contract. Shield Options with Step Rate Edge are described in the Step Rate Edge</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Option Rider attached to your Contract. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">New </span><span style="font-family:Arial Narrow;font-size:10pt;">Cap Rates, Step Rates, and Edge Rates are declared for each subsequent Term, subject to the minimum guaranteed rates for each Rate Crediting Type. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Minimum Guaranteed</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cap Rate</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">is the amount shown in the</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cap Rate Shield Option</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Rider attached to your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may vary by Shield Rate</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">but will not be less than</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:x_4c09347b-4b6c-471c-8a6a-a0694d1d72bd">3.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Minimum Guaranteed</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">is the amount shown in the</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Step Rate Shield Option Rider attached to your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">but will not be less than</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:d3658d3e-b98c-44f5-9ca4-b0db34e9495a">4.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Minimum Guaranteed</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Edge Rate</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">is the</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">amount shown in the</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Edge</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Option</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Rider attached to your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">but will not be less than</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:b42cea62-f142-49a9-8993-769aec7a0b33">4.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There are two ways you may find out what the renewal </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Cap Rates, Step Rates, and Edge Rates will be for a subsequent Term. Thirty (30) days before the current Term expires, we will send you a notification, written or electronic depending on your selected preferences, indicating your maturing Shield Options and how you can obtain the different Shield Options available at the Term End Date, including the new Cap Rates, Step Rates, Edge Rates, and the interest rate for the Fixed Account. You may also access our website at https://www.brighthousefinancial.com/products/rates/ where at least two months of renewal rates for the Rate Crediting Types and the interest rate for the Fixed Account are posted – i.e., for the current month and the following month. See “RATE CREDITING TYPES” for more information. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For each </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Option, you select the Term, the Shield Rate and which Securities Index you want the performance of your Contract to be based on. For example, if you select Shield 10 with a 1-Year Term, you may also select whether you want your Contract performance based on the Cap Rate, Step Rate, or Edge Rate, when applicable.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Cap Rate is the maximum rate that may be credited at the Term End Date based on Index Performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">example, if you invest in a Shield Option with a 10% Cap Rate, and the Index Performance is 15% at the end of the Term, the Performance Rate will be 10% (the Index Performance up to the Cap Rate), meaning that we will increase the Investment Amount associated with the Shield Option by 10%.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">example, if you invest in a Shield Option with a 10% Cap Rate, and the Index Performance is 15% at the end of the Term, the Performance Rate will be 10% (the Index Performance up to the Cap Rate), meaning that we will increase the Investment Amount associated with the Shield Option by 10%.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Step Rate is the rate credited at the Term End Date if the Index Performance is equal to or greater than zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">example, if you invest in a Shield Option with an 8% Step Rate, and the Index Performance is 15% at the end of the Term, the Performance Rate will be 8% (the Step Rate), meaning that we will increase the Investment Amount associated with the Shield Option by 8%.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">example, if you invest in a Shield Option with an 8% Step Rate, and the Index Performance is 15% at the end of the Term, the Performance Rate will be 8% (the Step Rate), meaning that we will increase the Investment Amount associated with the Shield Option by 8%.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Minimum Guaranteed</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cap Rate</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">is the amount shown in the</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cap Rate Shield Option</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Rider attached to your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may vary by Shield Rate</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">but will not be less than</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:x_4c09347b-4b6c-471c-8a6a-a0694d1d72bd">3.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Minimum Guaranteed</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">is the amount shown in the</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Step Rate Shield Option Rider attached to your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">but will not be less than</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:d3658d3e-b98c-44f5-9ca4-b0db34e9495a">4.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Minimum Guaranteed</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Edge Rate</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">is the</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">amount shown in the</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Edge</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Option</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Rider attached to your</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate</span><span style="font-family:Arial Narrow;font-size:10pt;">, </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">but will not be less than</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:b42cea62-f142-49a9-8993-769aec7a0b33">4.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You could lose a significant amount of money due to the </span><span style="font-family:Arial Narrow;font-size:10pt;">Interim Value calculation if amounts are removed from a Shield Option or from the Contract.</span> <span style="font-family:Arial Narrow;font-size:10pt;">If you have not exercised the Performance Lock on a Shield Option, the Interim Value is the amount that is available for annuitization, death benefit payments, withdrawals (including RMDs and systematic withdrawals), Surrenders, and Performance Lock.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="4" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Fees, Expenses and Adjustments</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">the Prospectus</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:297pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you withdraw money from the Contract within the first </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> full Contract Years </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">after the Issue Date of your Contract, you may be assessed a Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge of up to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">7</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% of the amount withdrawn in excess of the Free Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount, declining to 0% over that time period.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if you make a withdrawal, you could pay a Withdrawal Charge of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">up to $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">7,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> on a $100,000 investment. This loss will be greater if there is a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">negative Interim Value, taxes, or tax penalties.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you exercise the Performance Lock or all or a portion of the Account Value is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">removed from a Shield Option or from the Contract before the end of a Term, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">we will apply an Interim Value calculation, which may be negative. In extreme </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">circumstances, you could lose up to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% of the value of your Shield Option if </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you exercise the Performance Lock, or if you make a withdrawal, Surrender, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">or otherwise remove amounts from the Shield Options before the Term End </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date due to a negative Interim Value.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if you allocate $100,000 to a Shield Option with a 3-year Term, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and later withdraw the entire amount before the Term has ended, you could </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lose up to $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> of your investment. This loss will be greater if you also </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">have to pay a Withdrawal Charge, taxes, and tax penalties.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Between the Term Start Date and the Term End Date, we use the Interim Value </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to calculate the amount that is available for (1) annuitization; (2) death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefits; (3) withdrawals (including RMDs and systematic withdrawals); (4) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrenders; and (5) Performance Lock.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEE TABLE</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES,</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEES, AND</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ADJUSTMENTS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">  </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">INTERIM VALUE </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CALCULATION</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Other than the Withdrawal Charges and Interim Value calculation, you will </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">not be charged for other transactions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEE TABLE</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES, FEES, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">AND </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ADJUSTMENTS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:78pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">There is an implicit ongoing fee on the Shield Options to the extent that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">your participation in Index gains is limited by us through the use of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cap Rate, Step Rate, or Edge Rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> This means that your returns may be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">lower than the Index’s returns.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> In return for accepting this limit on </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">gains, you will receive some protection from Index losses.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEE TABLE</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES, FEES, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">AND </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ADJUSTMENTS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:297pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you withdraw money from the Contract within the first </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">6</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> full Contract Years </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">after the Issue Date of your Contract, you may be assessed a Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge of up to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">7</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% of the amount withdrawn in excess of the Free Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount, declining to 0% over that time period.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if you make a withdrawal, you could pay a Withdrawal Charge of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">up to $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">7,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> on a $100,000 investment. This loss will be greater if there is a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">negative Interim Value, taxes, or tax penalties.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you exercise the Performance Lock or all or a portion of the Account Value is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">removed from a Shield Option or from the Contract before the end of a Term, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">we will apply an Interim Value calculation, which may be negative. In extreme </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">circumstances, you could lose up to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% of the value of your Shield Option if </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you exercise the Performance Lock, or if you make a withdrawal, Surrender, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">or otherwise remove amounts from the Shield Options before the Term End </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date due to a negative Interim Value.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if you allocate $100,000 to a Shield Option with a 3-year Term, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and later withdraw the entire amount before the Term has ended, you could </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lose up to $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> of your investment. This loss will be greater if you also </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">have to pay a Withdrawal Charge, taxes, and tax penalties.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Between the Term Start Date and the Term End Date, we use the Interim Value </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to calculate the amount that is available for (1) annuitization; (2) death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefits; (3) withdrawals (including RMDs and systematic withdrawals); (4) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrenders; and (5) Performance Lock.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEE TABLE</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES,</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEES, AND</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ADJUSTMENTS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">  </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">INTERIM VALUE </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CALCULATION</span></div></div></td></tr></table> 6 0.07 7000 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you exercise the Performance Lock or all or a portion of the Account Value is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">removed from a Shield Option or from the Contract before the end of a Term, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">we will apply an Interim Value calculation, which may be negative. In extreme </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">circumstances, you could lose up to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">% of the value of your Shield Option if </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you exercise the Performance Lock, or if you make a withdrawal, Surrender, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">or otherwise remove amounts from the Shield Options before the Term End </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date due to a negative Interim Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if you allocate $100,000 to a Shield Option with a 3-year Term, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and later withdraw the entire amount before the Term has ended, you could </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lose up to $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> of your investment. This loss will be greater if you also </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">have to pay a Withdrawal Charge, taxes, and tax penalties.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Between the Term Start Date and the Term End Date, we use the Interim Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to calculate the amount that is available for (1) annuitization; (2) death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefits; (3) withdrawals (including RMDs and systematic withdrawals); (4) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrenders; and (5) Performance Lock.</span> 1 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, if you allocate $100,000 to a Shield Option with a 3-year Term, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and later withdraw the entire amount before the Term has ended, you could </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lose up to $</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> of your investment. This loss will be greater if you also </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">have to pay a Withdrawal Charge, taxes, and tax penalties.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Between the Term Start Date and the Term End Date, we use the Interim Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to calculate the amount that is available for (1) annuitization; (2) death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefits; (3) withdrawals (including RMDs and systematic withdrawals); (4) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Surrenders; and (5) Performance Lock.</span> 100000 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Other than the Withdrawal Charges and Interim Value calculation, you will </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">not be charged for other transactions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEE TABLE</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES, FEES, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">AND </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ADJUSTMENTS</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Other than the Withdrawal Charges and Interim Value calculation, you will </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">not be charged for other transactions.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:78pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">There is an implicit ongoing fee on the Shield Options to the extent that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">your participation in Index gains is limited by us through the use of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cap Rate, Step Rate, or Edge Rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> This means that your returns may be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">lower than the Index’s returns.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> In return for accepting this limit on </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">gains, you will receive some protection from Index losses.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEE TABLE</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">CHARGES, FEES, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">AND </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ADJUSTMENTS</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">There is an implicit ongoing fee on the Shield Options to the extent that </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">your participation in Index gains is limited by us through the use of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cap Rate, Step Rate, or Edge Rate.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> This means that your returns may be </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">lower than the Index’s returns.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> In return for accepting this limit on </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">gains, you will receive some protection from Index losses.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:15pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="4" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Risks</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:136.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is there a Risk of Loss </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">from Poor </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance?</span></div></div></td> <td colspan="4" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. You can lose money by investing in the Contract.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">The currently offered </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options provide that we will absorb losses at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">least equal to 10%, 15%, and 25%. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Under these Shield Options, the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">maximum amount of loss you could experience due to negative index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">performance at the end of a </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term, after taking into account these </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">levels of protection, would be: </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">90</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% for 10% downside protection; </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">85</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">for 15% downside protection; and </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">75</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% for 25% downside protection.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">We do not guarantee that there will always be a </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Shield Option under </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract that provides this minimum amount of downside </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">protection; however, there will always be at least one </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Shield Option </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">available with a minimum of 10% downside protection.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">OF INVESTING IN </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">THE CONTRACT</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">SHIELD RATES </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:665.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is this a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment?</span></div></div></td> <td colspan="4" style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:298pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. The Contract is not a short-term investment and is not appropriate for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investor who needs ready access to cash.</span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Contract’s tax deferral and long-term income features are generally more </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">beneficial to investors who intend to hold the Contract for a long period of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">time and then use the Account Value for retirement savings or other long-term </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment purposes.</span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amounts withdrawn from the Contract may result in Withdrawal Charges, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">taxes, and tax penalties. If you have not exercised the Performance Lock, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">amounts removed from a Shield Option or from the Contract before the end of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a Term may also result in a negative Interim Value and proportional reduction </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to the Investment Amount associated with the Shield Option, as well as loss of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">positive Index Performance.</span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawals (including RMDs and systematic withdrawals) will reduce your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value and the death benefit, perhaps significantly. The reduction may </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">be more than the amount withdrawn.</span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you have not exercised the Performance Lock, withdrawals from the Shield </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Options during a Term will reduce the Investment Amount associated with the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option by the same proportion that the Interim Value of that Shield </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option is reduced by the withdrawal. The proportionate reduction could be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater than the amount withdrawn even if the Index Value has increased. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Reductions to the Investment Amount will reduce the Interim Value for that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option for the remainder of the Term, and, as a result, the positive </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">interest, if any, credited to the remaining Investment Amount on the Term End </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date will be less than if you had not taken a withdrawal. If you have exercised </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Performance Lock, a withdrawal will reduce the Performance Lock Value </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">by the dollar amount of the withdrawal.</span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">During the Accumulation Period you may transfer your Account Value to or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">from the Fixed Account (if available), to or from the Shield Option(s), and from </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Holding Account. If we have allocation instructions from you, we will </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer the amounts in the Holding Account to the Shield Option(s) on the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">next Contract Anniversary. If you have not exercised the Performance Lock, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfers may be made, according to your instructions, only during the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Period following the Term End Date.</span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you have exercised the Performance Lock for a multi-year Term, you may </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer the Performance Lock Value on any Contract Anniversary prior to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">end of the Term and on the Term End Date. If you transfer the Performance </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lock Value on a Contract Anniversary before the Term End Date, you may only </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer the entire amount of the Performance Lock Value. If you transfer the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock Value on the Term End Date, you may transfer all or a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">portion of your Performance Lock Value during the Transfer Period. Partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfers of the Performance Lock Value are only permitted during the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Period at the end of the Term. See “TRANSFERS.”</span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you do not provide transfer instructions during the Transfer Period following </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term End Date, the following procedures will apply:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Amount or Performance Lock Value allocated to the Shield </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> that has reached its Term End Date will automatically be renewed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">into the same </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option for a new Term, subject to the new Cap Rate, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, Edge Rate, or Participation Rate, as applicable, declared for that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. The Performance Lock Value will no longer be locked for the new </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">If the same </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option is no longer available for investment at the Term </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">End Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, the Investment Amount or Performance Lock Value in that Shield </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> will automatically be transferred to the Fixed Account, if available, at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date, subject to the new interest rate declared for that Fixed</span></div></div></td> <td style="padding-bottom:2pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">OF INVESTING IN </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">THE CONTRACT</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">TRANSFERS </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:491pt;table-layout:auto;"> <tr style="height:320pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated with the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment Options?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks of poor investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Options available under the Contract (e.g., the Shield Options). Each Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option (including the Fixed Account) will have its own unique risks. You should </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">review the available Allocation Options before making an investment decision.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Cap Rate, Step Rate, Edge Rates, and Step Rate Edge (the Rate Crediting </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Types), as applicable, will limit positive Index returns (e.g., limited upside). </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This may result in you earning less than the Index return</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. For example:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Cap Rate</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> If the Index Performance is 15%, and the Cap Rate is 10%, we </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will credit a 10% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Index Performance is 15%, and the Step Rate is 8%, we </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will credit an 8% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Edge Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Index Performance is 15%, the Edge Rate is 7%, and the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Shield Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> has a Shield Rate of 10%, we will credit a 7% Performance </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> at the end of the Term. If the Index Performance is -10%, we will also </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">credit a 7% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Shield Rate, as applicable, will limit the negative Index returns (e.g., </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">limited protection in the case of market decline).</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> For example, if the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance is -25%, and you invest in a Shield Option with a 10% Shield </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rate, we will credit a -15% Performance Rate (the amount of negative Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance that exceeds the Shield Rate) at the end of the Term.</span></div></div> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Each Index is a “price return index,” not a “total return index,” and therefore </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">does not reflect dividends declared by any of the companies in the Index.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">will reduce the Index Performance and will cause the Index to underperform a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">direct investment in the securities composing the Index.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">OF INVESTING IN </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">THE CONTRACT</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">  </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">INDICES</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">  </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">SHIELD RATES</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">  </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">RATE CREDITING </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">TYPES</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">THE FIXED </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ACCOUNT</span></div></div></td></tr> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Related to the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance Company?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:298pt;"> <div style="line-height:12.0pt;text-align:left;padding-top:8pt;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to us. Any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">obligations (including under any Fixed Account and Shield Options), </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">guarantees, or benefits are subject to our claims-paying ability. More </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">information about us, including our appliable financial strength ratings, is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">available upon request by contacting us at (888) 243-1968.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">PRINCIPAL RISKS </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">OF INVESTING IN </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">THE CONTRACT</span></div></div></td></tr></table> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. You can lose money by investing in the Contract.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">The currently offered </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options provide that we will absorb losses at </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">least equal to 10%, 15%, and 25%. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Under these Shield Options, the </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">maximum amount of loss you could experience due to negative index </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">performance at the end of a </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term, after taking into account these </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">levels of protection, would be: </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">90</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% for 10% downside protection; </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">85</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">for 15% downside protection; and </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">75</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">% for 25% downside protection.</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">We do not guarantee that there will always be a </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Shield Option under </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract that provides this minimum amount of downside </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">protection; however, there will always be at least one </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Shield Option </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">available with a minimum of 10% downside protection.</span> 0.90 0.85 0.75 <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">We do not guarantee that there will always be a </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Shield Option under </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract that provides this minimum amount of downside </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">protection; however, there will always be at least one </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Shield Option </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">available with a minimum of 10% downside protection.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. The Contract is not a short-term investment and is not appropriate for an </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investor who needs ready access to cash.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Contract’s tax deferral and long-term income features are generally more </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">beneficial to investors who intend to hold the Contract for a long period of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">time and then use the Account Value for retirement savings or other long-term </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">investment purposes.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amounts withdrawn from the Contract may result in Withdrawal Charges, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">taxes, and tax penalties. If you have not exercised the Performance Lock, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">amounts removed from a Shield Option or from the Contract before the end of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a Term may also result in a negative Interim Value and proportional reduction </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to the Investment Amount associated with the Shield Option, as well as loss of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">positive Index Performance.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawals (including RMDs and systematic withdrawals) will reduce your </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value and the death benefit, perhaps significantly. The reduction may </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">be more than the amount withdrawn.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you have not exercised the Performance Lock, withdrawals from the Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Options during a Term will reduce the Investment Amount associated with the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option by the same proportion that the Interim Value of that Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option is reduced by the withdrawal. The proportionate reduction could be </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater than the amount withdrawn even if the Index Value has increased. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Reductions to the Investment Amount will reduce the Interim Value for that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option for the remainder of the Term, and, as a result, the positive </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">interest, if any, credited to the remaining Investment Amount on the Term End </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date will be less than if you had not taken a withdrawal. If you have exercised </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Performance Lock, a withdrawal will reduce the Performance Lock Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">by the dollar amount of the withdrawal.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">During the Accumulation Period you may transfer your Account Value to or </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">from the Fixed Account (if available), to or from the Shield Option(s), and from </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Holding Account. If we have allocation instructions from you, we will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer the amounts in the Holding Account to the Shield Option(s) on the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">next Contract Anniversary. If you have not exercised the Performance Lock, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfers may be made, according to your instructions, only during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Period following the Term End Date.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you have exercised the Performance Lock for a multi-year Term, you may </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer the Performance Lock Value on any Contract Anniversary prior to the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">end of the Term and on the Term End Date. If you transfer the Performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lock Value on a Contract Anniversary before the Term End Date, you may only </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer the entire amount of the Performance Lock Value. If you transfer the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock Value on the Term End Date, you may transfer all or a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">portion of your Performance Lock Value during the Transfer Period. Partial </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfers of the Performance Lock Value are only permitted during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Period at the end of the Term. See “TRANSFERS.”</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you do not provide transfer instructions during the Transfer Period following </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term End Date, the following procedures will apply:</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Amount or Performance Lock Value allocated to the Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> that has reached its Term End Date will automatically be renewed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">into the same </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option for a new Term, subject to the new Cap Rate, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, Edge Rate, or Participation Rate, as applicable, declared for that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. The Performance Lock Value will no longer be locked for the new </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">If the same </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option is no longer available for investment at the Term </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">End Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, the Investment Amount or Performance Lock Value in that Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> will automatically be transferred to the Fixed Account, if available, at </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date, subject to the new interest rate declared for that Fixed</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Account Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Fixed Account is not available, the Investment Amount </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will automatically be transferred into the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Holding Account.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">If you do not provide transfer instructions during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Period </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">following the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account Term End Date, any Fixed Account Value will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">remain in the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account for another Fixed Account Term, subject to the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">new interest rate declared for that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term. If the Fixed Account is no longer </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">available at the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account Term End Date, the Fixed Account Value will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">automatically be transferred into the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Holding Account.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amounts withdrawn from the Contract may result in Withdrawal Charges, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">taxes, and tax penalties. If you have not exercised the Performance Lock, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">amounts removed from a Shield Option or from the Contract before the end of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">a Term may also result in a negative Interim Value and proportional reduction </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to the Investment Amount associated with the Shield Option, as well as loss of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">positive Index Performance.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawals (including RMDs and systematic withdrawals) will reduce your </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value and the death benefit, perhaps significantly. The reduction may </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">be more than the amount withdrawn.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you have not exercised the Performance Lock, withdrawals from the Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Options during a Term will reduce the Investment Amount associated with the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option by the same proportion that the Interim Value of that Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option is reduced by the withdrawal. The proportionate reduction could be </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater than the amount withdrawn even if the Index Value has increased. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Reductions to the Investment Amount will reduce the Interim Value for that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option for the remainder of the Term, and, as a result, the positive </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">interest, if any, credited to the remaining Investment Amount on the Term End </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date will be less than if you had not taken a withdrawal. If you have exercised </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Performance Lock, a withdrawal will reduce the Performance Lock Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">by the dollar amount of the withdrawal.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">During the Accumulation Period you may transfer your Account Value to or </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">from the Fixed Account (if available), to or from the Shield Option(s), and from </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Holding Account. If we have allocation instructions from you, we will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer the amounts in the Holding Account to the Shield Option(s) on the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">next Contract Anniversary. If you have not exercised the Performance Lock, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfers may be made, according to your instructions, only during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Period following the Term End Date.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you have exercised the Performance Lock for a multi-year Term, you may </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer the Performance Lock Value on any Contract Anniversary prior to the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">end of the Term and on the Term End Date. If you transfer the Performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lock Value on a Contract Anniversary before the Term End Date, you may only </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer the entire amount of the Performance Lock Value. If you transfer the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock Value on the Term End Date, you may transfer all or a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">portion of your Performance Lock Value during the Transfer Period. Partial </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfers of the Performance Lock Value are only permitted during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Period at the end of the Term. See “TRANSFERS.”</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you do not provide transfer instructions during the Transfer Period following </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term End Date, the following procedures will apply:</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Amount or Performance Lock Value allocated to the Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> that has reached its Term End Date will automatically be renewed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">into the same </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option for a new Term, subject to the new Cap Rate, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, Edge Rate, or Participation Rate, as applicable, declared for that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. The Performance Lock Value will no longer be locked for the new </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">If the same </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option is no longer available for investment at the Term </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">End Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, the Investment Amount or Performance Lock Value in that Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> will automatically be transferred to the Fixed Account, if available, at </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date, subject to the new interest rate declared for that Fixed</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Account Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Fixed Account is not available, the Investment Amount </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will automatically be transferred into the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Holding Account.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">If you do not provide transfer instructions during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Transfer Period </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">following the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account Term End Date, any Fixed Account Value will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">remain in the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account for another Fixed Account Term, subject to the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">new interest rate declared for that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term. If the Fixed Account is no longer </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">available at the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account Term End Date, the Fixed Account Value will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">automatically be transferred into the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Holding Account.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks of poor investment </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Options available under the Contract (e.g., the Shield Options). Each Allocation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Option (including the Fixed Account) will have its own unique risks. You should </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">review the available Allocation Options before making an investment decision.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Cap Rate, Step Rate, Edge Rates, and Step Rate Edge (the Rate Crediting </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Types), as applicable, will limit positive Index returns (e.g., limited upside). </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This may result in you earning less than the Index return</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. For example:</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Cap Rate</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> If the Index Performance is 15%, and the Cap Rate is 10%, we </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will credit a 10% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Index Performance is 15%, and the Step Rate is 8%, we </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will credit an 8% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Edge Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Index Performance is 15%, the Edge Rate is 7%, and the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Shield Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> has a Shield Rate of 10%, we will credit a 7% Performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> at the end of the Term. If the Index Performance is -10%, we will also </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">credit a 7% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Shield Rate, as applicable, will limit the negative Index returns (e.g., </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">limited protection in the case of market decline).</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> For example, if the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance is -25%, and you invest in a Shield Option with a 10% Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rate, we will credit a -15% Performance Rate (the amount of negative Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance that exceeds the Shield Rate) at the end of the Term.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Each Index is a “price return index,” not a “total return index,” and therefore </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">does not reflect dividends declared by any of the companies in the Index.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">will reduce the Index Performance and will cause the Index to underperform a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">direct investment in the securities composing the Index.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Cap Rate, Step Rate, Edge Rates, and Step Rate Edge (the Rate Crediting </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Types), as applicable, will limit positive Index returns (e.g., limited upside). </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This may result in you earning less than the Index return</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. For example:</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Cap Rate</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> If the Index Performance is 15%, and the Cap Rate is 10%, we </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will credit a 10% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Index Performance is 15%, and the Step Rate is 8%, we </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will credit an 8% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Edge Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Index Performance is 15%, the Edge Rate is 7%, and the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Shield Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> has a Shield Rate of 10%, we will credit a 7% Performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> at the end of the Term. If the Index Performance is -10%, we will also </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">credit a 7% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Cap Rate</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> If the Index Performance is 15%, and the Cap Rate is 10%, we </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will credit a 10% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Step Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Index Performance is 15%, and the Step Rate is 8%, we </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will credit an 8% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Edge Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. If the Index Performance is 15%, the Edge Rate is 7%, and the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Shield Option</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> has a Shield Rate of 10%, we will credit a 7% Performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> at the end of the Term. If the Index Performance is -10%, we will also </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">credit a 7% </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate at the end of the Term.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Shield Rate, as applicable, will limit the negative Index returns (e.g., </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">limited protection in the case of market decline).</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> For example, if the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance is -25%, and you invest in a Shield Option with a 10% Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rate, we will credit a -15% Performance Rate (the amount of negative Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance that exceeds the Shield Rate) at the end of the Term.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> For example, if the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance is -25%, and you invest in a Shield Option with a 10% Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rate, we will credit a -15% Performance Rate (the amount of negative Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance that exceeds the Shield Rate) at the end of the Term.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Each Index is a “price return index,” not a “total return index,” and therefore </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">does not reflect dividends declared by any of the companies in the Index.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">will reduce the Index Performance and will cause the Index to underperform a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">direct investment in the securities composing the Index.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to us. Any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">obligations (including under any Fixed Account and Shield Options), </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">guarantees, or benefits are subject to our claims-paying ability. More </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">information about us, including our appliable financial strength ratings, is </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">available upon request by contacting us at (888) 243-1968.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Limits on transfers.Transfers may only be made during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Accumulation </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Period</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and only to or from the Fixed Account, to or from the Shield </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option(s)</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and from the Holding Account.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">○</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.94pt;">Transfers may not be made into the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Holding Account.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">○</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.94pt;">If you have not exercised the Performance Lock, transfers among the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Fixed Account and the Shield Options may only be made during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Transfer Period at the end of each Term.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">○</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.94pt;">If you have exercised the Performance Lock, you may transfer on any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Contract Anniversary prior to the end of the Term and on the Term End </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Date. If you transfer the Performance Lock Value on a Contract </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Anniversary before the Term End Date, you may only transfer the entire </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">amount of the Performance Lock Value. If you transfer the Performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Lock Value on the Term End Date, you may transfer all or a portion of the</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Performance Lock Value. Partial transfers of the Performance Lock Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">prior to the Term End Date are not permitted.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">○</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.94pt;">Transfers from the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Holding Account may only be made on a Contract </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Anniversary</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">○</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.94pt;">The minimum transfer amount is $500.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">The availability of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allocation Options may vary depending on the selling firm </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">through which your </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract is sold.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">We can add or discontinue any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option. We are not obligated to offer </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">any one particular </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option, but after your Contract is issued, there will </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">always be one </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option available, although it may not be substantially </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">similar to any one of the currently available </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">We have the right to substitute a comparable index prior to the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> if any Index is discontinued or we determine that our use of such </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Index</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> should be discontinued because we are no longer licensed to use the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Index</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, the method of calculation of the Index Value is substantially changed, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">or if </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Values become unavailable for any reason.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">We may change </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Rates, Step Rates, and Edge Rates declared for the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Shield Options</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> from one Term to the next, subject to the minimum </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">guaranteed rates.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Each </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option’s</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Rate is guaranteed not to change for the life of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the currently offered </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options. However, we may add or discontinue </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option, so the Shield Rates offered under the Contract may </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">change from one </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term to the next.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">We may change the interest rate for the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account declared from one </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Fixed Account Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> to the next, subject to the Minimum Guaranteed </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Interest rate applicable to any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract, which will not be less than 1%.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract is a single premium product. Additional Purchase Payments </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">will not be accepted.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">Subject to certain conditions, </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract benefits may be modified or </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">terminated by the Company.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">All withdrawals (including RMDs and systematic withdrawals) will reduce </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the death benefit. Such reductions may be significant and may be more </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">than the amount of the withdrawal and may even terminate the benefit.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.9pt;">The availability of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract benefits may vary depending on the selling firm </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">through which your </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract is sold.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">You should consult with a tax professional to determine the tax implications of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">an investment in and Purchase Payments received under the Contract. There </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">is no additional tax benefit to you if the Contract is purchased through a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">tax-qualified plan or individual retirement account (IRA). Withdrawals will be </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">subject to ordinary income tax and may be subject to tax penalties.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Your financial professional may receive compensation for selling this Contract </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to you in the form of commissions, additional cash benefits (e.g., bonuses), </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and non-cash compensation. This conflict of interest may influence your </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">financial professional to recommend this Contract over another investment for </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">which the financial professional is not compensated or compensated less.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you already own an insurance contract, some financial professionals may </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">have a financial incentive to offer you a new contract in place of the one you </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">already own. You should only exchange your contract if you determine, after </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">comparing the features, fees, and risks of both contracts, and any fees or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">penalties to terminate the existing contract, that it is preferable for you to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">purchase the new contract rather than continue to own the existing Contract.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">FEE TABLE</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The following tables describe the fees expenses, and adjustments that you will pay when buying, owning, and Surrendering or making withdrawals from an Allocation Option or from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The first table describes the fees, and expenses that you will pay at the time that you buy the Contract, Surrender or make withdrawals from an Allocation Option or from the Contract, or transfer Account Value between Allocation Options. State premium taxes may also be deducted. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:13pt;">  </span><span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:459pt;"> <tr style="height:auto;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Bottom;width:440.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal Charge</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(as a percentage of the amount withdrawn in excess of the Free Withdrawal Amount)</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Bottom;width:18.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">7</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">The Withdrawal Charge is not assessed during the Annuity Period and in certain other instances. See “When No Withdrawal Charge Applies” under “CHARGES, FEES, AND ADJUSTMENTS” section in the prospectus for a list of withdrawal charge waivers. Withdrawal Charges are calculated at the time of each withdrawal in accordance with the following schedule (See “Withdrawal Charge” under “CHARGES, FEES, AND ADJUSTMENTS” section in the prospectus for more information).</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:74.3pt;width:310.41pt;"> <tr style="height:23pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:145.43pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Number of Complete</span></div> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;">Contract Years since Issue Date</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:164.98pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Withdrawal</span></div> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;">Charge percentage</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:1.25pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">0</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.25pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">7%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">1</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">7%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">2</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">6%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">3</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">5%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">4</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">4%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">5</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">3%</span></div></div></td></tr> <tr style="height:11pt;"> <td style="padding-bottom:6pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">6 or more</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">0%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Account Value is removed from an Allocation Option or from the Contract before the expiration of a specified period.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:459pt;"> <tr style="height:25.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:423.8pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:35.2pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="padding-bottom:6pt;padding-top:3.5pt;vertical-align:Bottom;width:423.8pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Interim Value Maximum Potential Loss</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(as a percentage of the Investment Amount in the Shield Option)</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.5pt;vertical-align:Bottom;width:35.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100%</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="font-family:Arial Narrow;font-size:9pt;">An Interim Value adjustment is not an explicit charge. It is an adjustment that we use between the Term Start Date and the Term End Date</span><span style="font-family:Arial Narrow;font-size:9pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:9pt;">to calculate the amount that is available for (1) annuitization; (2) death benefits; (3) withdrawals (including RMDs and systematic withdrawals); (4) Surrenders; and (5) Performance Lock. </span><span style="font-family:Arial Narrow;font-size:5.5pt;position:relative;top:-3.75pt;">(2)</span><span style="font-family:Arial Narrow;font-size:9pt;">In extreme circumstances, you could lose up to 100% of the value of your Shield Option if you make a withdrawal or Surrender from the Shield Options, or if you exercise the Performance Lock before the Term End Date. The maximum potential loss would only occur if the Index price has declined to zero and there is a full withdrawal of the Interim Value from the Shield Option or if you exercise the Performance Lock feature before the Term End Date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:459pt;"> <tr style="height:25.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:440.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Contract Expenses</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:18.39pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="padding-bottom:6pt;padding-top:3.5pt;vertical-align:Bottom;width:440.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.5pt;vertical-align:Bottom;width:18.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In addition to the fees described above, we limit the amount you can earn on the Shield Options. This means your returns may be lower than the Index’s returns. In return for accepting this limit on Index gains, you will receive some protection from Index losses</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:11pt;font-weight:bold;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:459pt;"> <tr style="height:auto;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Bottom;width:440.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal Charge</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(as a percentage of the amount withdrawn in excess of the Free Withdrawal Amount)</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Bottom;width:18.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">7</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">The Withdrawal Charge is not assessed during the Annuity Period and in certain other instances. See “When No Withdrawal Charge Applies” under “CHARGES, FEES, AND ADJUSTMENTS” section in the prospectus for a list of withdrawal charge waivers. Withdrawal Charges are calculated at the time of each withdrawal in accordance with the following schedule (See “Withdrawal Charge” under “CHARGES, FEES, AND ADJUSTMENTS” section in the prospectus for more information).</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:74.3pt;width:310.41pt;"> <tr style="height:23pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:145.43pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Number of Complete</span></div> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;">Contract Years since Issue Date</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:164.98pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Withdrawal</span></div> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;">Charge percentage</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:1.25pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">0</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.25pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">7%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">1</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">7%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">2</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">6%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">3</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">5%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">4</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">4%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">5</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">3%</span></div></div></td></tr> <tr style="height:11pt;"> <td style="padding-bottom:6pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">6 or more</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">0%</span></div></div></td></tr></table> 0.07 <span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">The Withdrawal Charge is not assessed during the Annuity Period and in certain other instances. See “When No Withdrawal Charge Applies” under “CHARGES, FEES, AND ADJUSTMENTS” section in the prospectus for a list of withdrawal charge waivers. Withdrawal Charges are calculated at the time of each withdrawal in accordance with the following schedule (See “Withdrawal Charge” under “CHARGES, FEES, AND ADJUSTMENTS” section in the prospectus for more information).</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:74.3pt;width:310.41pt;"> <tr style="height:23pt;"> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:145.43pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Number of Complete</span></div> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;">Contract Years since Issue Date</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:164.98pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Withdrawal</span></div> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;">Charge percentage</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:1.25pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">0</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.25pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">7%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">1</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">7%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">2</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">6%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">3</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">5%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">4</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">4%</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">5</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">3%</span></div></div></td></tr> <tr style="height:11pt;"> <td style="padding-bottom:6pt;padding-top:3pt;vertical-align:Top;width:145.43pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:42pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">6 or more</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3pt;vertical-align:Top;width:164.98pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:42pt;margin-right:60pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;">0%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Account Value is removed from an Allocation Option or from the Contract before the expiration of a specified period.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:459pt;"> <tr style="height:25.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:423.8pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:35.2pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="padding-bottom:6pt;padding-top:3.5pt;vertical-align:Bottom;width:423.8pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Interim Value Maximum Potential Loss</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(as a percentage of the Investment Amount in the Shield Option)</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.5pt;vertical-align:Bottom;width:35.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">100%</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:5.5pt;position:relative;top:-3.75pt;">(1)</span><span style="font-family:Arial Narrow;font-size:9pt;">An Interim Value adjustment is not an explicit charge. It is an adjustment that we use between the Term Start Date and the Term End Date</span><span style="font-family:Arial Narrow;font-size:9pt;line-height:10pt;"> </span><span style="font-family:Arial Narrow;font-size:9pt;">to calculate the amount that is available for (1) annuitization; (2) death benefits; (3) withdrawals (including RMDs and systematic withdrawals); (4) Surrenders; and (5) Performance Lock. </span><span style="font-family:Arial Narrow;font-size:5.5pt;position:relative;top:-3.75pt;">(2)</span><span style="font-family:Arial Narrow;font-size:9pt;">In extreme circumstances, you could lose up to 100% of the value of your Shield Option if you make a withdrawal or Surrender from the Shield Options, or if you exercise the Performance Lock before the Term End Date. The maximum potential loss would only occur if the Index price has declined to zero and there is a full withdrawal of the Interim Value from the Shield Option or if you exercise the Performance Lock feature before the Term End Date.</span> 1 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:459pt;"> <tr style="height:25.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:440.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Contract Expenses</span></div></div></td> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:18.39pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="padding-bottom:6pt;padding-top:3.5pt;vertical-align:Bottom;width:440.61pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:6pt;margin-top:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses</span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.5pt;vertical-align:Bottom;width:18.39pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">0%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In addition to the fees described above, we limit the amount you can earn on the Shield Options. This means your returns may be lower than the Index’s returns. In return for accepting this limit on Index gains, you will receive some protection from Index losses</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">.</span> 0 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">In addition to the fees described above, we limit the amount you can earn on the Shield Options. This means your returns may be lower than the Index’s returns. In return for accepting this limit on Index gains, you will receive some protection from Index losses</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The purchase of the Contract involves certain risks. You should carefully consider the following factors, in addition to the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">matters set forth elsewhere in the prospectus, prior to purchasing the Contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Risk of Loss </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There is a risk of substantial loss of your principal (unless you allocated your entire Purchase Payment to the Fixed </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Account) because you agree to absorb all losses at the end of the Term that exceed the Shield Rate for the Shield Options you select under the Contract. This means that if a negative Index Performance for a Shield Option you select exceeds the corresponding Shield Rate at the Term End Date, you will bear the portion of the loss that exceeds the Shield Rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Interim Value Risk of Loss </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you have not exercised the Performance Lock on a Shield Option, the amount that is available between the Term Start </span><span style="font-family:Arial Narrow;font-size:10pt;">Date and the Term End Date for annuitization, death benefits, withdrawals (including RMDs and systematic withdrawals), Surrenders, and Performance Lock will be the Interim Value. To determine the Interim Value, we apply a formula which does not reflect the actual performance of the applicable Index, but rather a determination of the value of hypothetical underlying investments at the time of the Interim Value calculation. The Interim Value calculated may be less than the Investment Amount at the time the Interim Value is calculated even if the current Index Value is higher than it was on the Term Start Date. Additionally, the Shield Rate and the Rate Crediting Type only apply to amounts held in the investment until the Term End Date. This means that the Interim Value does not receive the protection from loss provided by the Shield Rate or the application of the Rate Crediting Type. The Interim Value could be more or less than the amount you would receive had you held the Shield Option until the Term End Date, after the Performance Rate Adjustment. There is a substantial risk of loss in connection with transactions from the Shield Options before the Term End Date, as discussed below under “Effect of Withdrawals, Surrender, Annuitization or Death.” A negative Interim Value could result in a loss beyond the protection of the Shield Rate. In extreme circumstances, you could lose up to </span><span style="font-family:Arial Narrow;font-size:10pt;">100</span><span style="font-family:Arial Narrow;font-size:10pt;">% of the value of the Shield Option if you exercise the Performance Lock, or if you make a withdrawal, Surrender, or otherwise remove amounts from the Shield Options before the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Withdrawals from the Shield Options before a Term End Date could have adverse impacts even if the Index Value has </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">increased at the time of the calculation because the withdrawal will not allow you to participate in the Index Performance for the Term with your entire Investment Amount. Amounts withdrawn before the end of the Term will not be credited with positive interest, if any, at the end of the Term. If you withdraw Account Value allocated to a Shield Option during a Term (assuming you have not exercised the Performance Lock), the withdrawal will reduce the Investment Amount for that Shield Option by the same percentage that the Interim Value of that Shield Option was reduced by the withdrawal. A proportional reduction may be larger than the dollar amount of your withdrawal even if the Index Value has increased. Reductions to the Investment Amount will have an adverse impact on the Interim Value for that Shield Option for the remainder of the Term and, as a result, the positive interest, if any, credited to the remaining Investment Amount on the Term End Date will be less than if you had not taken a withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For the risk of loss associated with the Performance Lock, see “Performance Lock Risks” below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Liquidity Risk </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Contract is intended for retirement savings or other long-term investment purposes. The benefits of tax deferral and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">living benefit protection also mean the Contract is more beneficial to investors with a long-time horizon. The Contract is unsuitable as a short-term savings vehicle. Withdrawals (including RMDs and systematic withdrawals) and Surrenders from the Contract may be subject to Withdrawal Charges, income taxes, and income tax penalties if taken before age 59½. Additionally, withdrawals (including RMDs and systematic withdrawals), Surrenders, death benefit payments, and annuitization from the Shield Options before the Term End Date will be based on the Interim Values of the Shield Options, which may result in loss. See “Risk of Loss” above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">No Ownership of the Underlying Securities </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">When you purchase the Contract and allocate your Purchase Payment to a Shield Option(s), you will not be investing in </span><span style="font-family:Arial Narrow;font-size:10pt;">the Index or the securities tracked by the Index.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Adjustments Upon Taking a Withdrawal </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You may withdraw some or all of your money at any time prior to the Annuity Date. If you have not exercised the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Performance Lock, for any withdrawal taken on a Term End Date, a Performance Rate Adjustment, as of the date of the withdrawal, will apply. For any withdrawal taken between the Term Start Date and the Term End Date when you have not exercised the Performance Lock, we use an Interim Value calculation, which will reduce the Investment Amount for that Shield Option by the percentage reduction in the Interim Value of that Shield Option. The Performance Rate Adjustment, if negative, and proportional reduction may be substantial. Since withdrawal amounts from a Shield Option will reduce the Investment Amount for that Shield Option by the percentage reduction in the Interim Value of that Shield Option, a withdrawal when Interim Value is less than the Investment Amount will cause a greater percentage reduction in the Investment Amount that remains in your Shield Option relative to the percentage reduction for the same withdrawal amount when Interim Value is greater than the Investment Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Effect of Withdrawals, Surrender, Annuitization or Death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The calculation of your Interim Value may result in an amount that is less than the amount you would receive had you held the investment until the Term End Date. If you take a withdrawal when Index Performance is negative, your remaining Investment Amount may be significantly less than if you waited to take the withdrawal when Index Performance was positive. For more information on how we determine Interim Value and the potential adverse impacts of a withdrawal before the Term End Date, see “Risk of Loss” above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">○</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you Surrender your Contract prior to the Term End Date, we will pay either (i) the Interim Value, which may be less than if you held the Contract until all of your Shield Options reached their Term End Dates or (ii) the Performance Lock Value, which may be less than if you had not exercised the Performance Lock before the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">○</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you die (unless your Contract was issued with the Return of Premium death benefit), we will pay either (i) the Interim Value, which may be less than if you held the Contract until all of your Shield Options reached their Term End Dates or (ii) the Performance Lock Value, which may be less than if you had not exercised the Performance Lock before the Term End Date</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">○</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your Contract is annuitized between the Term Start Date and Term End Date, we will use either the Interim Value or the Performance Lock Value to calculate the Annuity Payments you will receive based on the applicable Annuity Option. In deciding on an Annuity Date, you should take into consideration the Term End Dates of your Shield Options relative to the Annuity Date you have chosen. </span><span style="font-family:Arial Narrow;font-size:10pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;">If you take a withdrawal (including RMDs and systematic withdrawals) your Account Value will be reduced by the amount withdrawn proportionally from your Shield Options, the Fixed Account, and the Holding Account unless you tell us from which specific Allocation Options, in which you currently have any Account Value, the withdrawal should be taken. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">All withdrawals will reduce the death benefit, perhaps significantly, and the reduction could be greater than the amount of the withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your Account Value falls below the Minimum Account Value as a result of a withdrawal, we may terminate your Contract. (See “WITHDRAWAL PROVISIONS.”) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Limitations on Transfers </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You may make transfers between the Fixed Account and the Shield Option(s) and from the Holding Account to the Fixed </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Account and the Shield Options only during the Transfer Period. Unless you have a Shield Option with the Performance Lock Value, you cannot make transfers outside the Transfer Period and you cannot (i) transfer out of a current Shield Option to another Shield Option or the Fixed Account until the Term End Date of the current Shield Option, (ii) transfer out of the Fixed Account to a Shield Option until the Fixed Account Term End Date (which will not be less than one (1) year), or (iii) transfer from the Holding Account to a Shield Option or the Fixed Account until the next Contract Anniversary. In all cases, the amount transferred can only be transferred to new Shield Options or the Fixed Account. This may limit your ability to react to market conditions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you remain in your current Shield Option with the Performance Lock Value until the Term End Date and decide to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">transfer the Investment Amount to a new Shield Option, the Investment Amount on the Term Start Date of your new Shield Option will be the Performance Lock Value for that option, which may be higher or lower than the Investment Amount would have been on the Term End Date had you not exercised the Performance Lock. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In addition, you should understand that for renewals into the same Shield Option, a new Cap Rate, Step Rate, or Edge </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Rate as applicable, will be declared and will go into effect on the Contract Anniversary that coincides with the Term Start Date of the new Shield Option. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Moreover, at the Term End Date, the Investment Amount allocated to the Shield Option that has reached its Term End </span><span style="font-family:Arial Narrow;font-size:10pt;">Date will be automatically renewed into the same Shield Option, subject to the new Cap Rate, Step Rate, or Edge Rate as applicable, declared for that Term, unless you instruct us to transfer such amount into a different Shield Option(s) or the Fixed Account. If the same Shield Option is no longer available for investment at the Term End Date, the Investment Amount will automatically be transferred to the Fixed Account (if available), or to the Holding Account. Additionally, any Fixed Account Value will remain in the Fixed Account for another Term, subject to the new interest rate declared for that Term, unless you instruct us to transfer such amount to a Shield Option(s). If the Fixed Account is no longer available at the Fixed Account Term End Date, the Fixed Account Value will automatically be transferred into the Holding Account. Account Value automatically renewed or transferred in the absence of transfer instructions from you may not be transferred again until the next Transfer Period coinciding with a Term End Date. Unless you have a Shield Option with Performance Lock Value, you have only the Transfer Period to notify us that you want to transfer some or all of your Investment Amount to a new Shield Option(s) or the Fixed Account. Thus, failure to provide such instructions during the Transfer Period will result in an automatic renewal for a period of at least one (1) year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you have exercised the Performance Lock for a Shield Option you may transfer on any Contract Anniversary prior to the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">end of the Term and on the Term End Date. If you transfer the Performance Lock Value on a Contract Anniversary before the Term End Date, you may only transfer the entire amount of the Performance Lock Value. If you transfer the Performance Lock Value on the Term End Date, you may transfer all or a portion of the Performance Lock Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Partial transfers of Performance Lock Value prior to the Term End Date are not permitted.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Availability of Shield Options </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Your selling firm may choose not to recommend certain Shield Options described in this prospectus when your Contract </span><span style="font-family:Arial Narrow;font-size:10pt;">is issued or at the Term End Date. See Appendix G – Financial Intermediary Variations. Additionally, we reserve the right to change the duration of any new Shield Options, stop offering any of the Shield Options or suspend offering any of the Shield Options. We may also add Shield Options in the future. We are not obligated to offer any one particular Shield Option, but after your Contract is issued, there will always be at least one Shield Option available at the Term End Date, with a minimum of 10%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">downside protection. Consequently, if we were to offer only one Shield Option, you would be limited to investing in that one Shield Option. If that Shield Option does not meet your investment objectives or financial goals, you could transfer to the Fixed Account (if available at that time and subject to applicable conditions described in the “TRANSFERS” section, including the requirement to remain invested in the Fixed Account until the Fixed Account Term End Date), Surrender your Contract and/or invest in another investment vehicle. If you Surrender your Contract, you might incur taxes, tax penalties, Withdrawal Charges, or an Interim Value calculation. If you invest in another investment vehicle, that investment may have different features, fees and risks than your Contract. Similarly, a particular Shield Option may not be available for you to transfer your Investment Amount or Fixed Account Value into after a Term End Date or the Fixed Account Term End Date. If the same Shield Option is no longer available at the Term End Date, the Investment Amount in the applicable Shield Option(s) will automatically transfer into the Fixed Account at the Term End Date, unless you instruct us otherwise during the Transfer Period. The amounts transferred to the Fixed Account must remain in the Fixed Account until the Fixed Account Term End Date (which, currently, will not be less than one (1) year). The Investment Amount held in the Fixed Account may earn a return that is less than the return you might have earned if those amounts were held in a Shield Option. If we exercise this right, your ability to increase your Account Value and, consequently, increase your death benefit will be limited. If the Fixed Account is not available, the Investment Amount will automatically transfer into the Holding Account unless you instruct us otherwise. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Risks Associated with the Referenced Indices </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each of the reference Indices is a “price return index,” not a “total return index,” and therefore does not reflect dividends </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">declared by any of the component companies in the Index. This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Because the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index, the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index, the MSCI EAFE Index, and the Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may increase or decline for reasons directly related to the issuers of the securities. (See “INDICES” and “SHIELD RATES.”) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In addition, each Index has its own unique risks, as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Index is composed of equity securities issued by large-capitalization (“large cap”) U.S. companies. In general, it is more difficult for large-cap companies to pivot their strategies quickly in response to changes in their industry. In addition, because they typically are more well-established, it is rare to see large-cap companies have the high growth rates that can be seen with successful small-capitalization (“small cap”) companies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Index is composed of equity securities of small-cap U.S. companies. Generally, the securities of small-cap companies are more volatile and riskier than the securities of larger companies. Small-cap companies are more likely to fail than larger companies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">MSCI EAFE Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The MSCI EAFE Index is comprised of equity securities of large- and mid-capitalization (“mid-cap”) companies and it is designed to measure the equity market performance of developed markets, including countries in Europe, Australia, and the Far East. In general, large-cap companies may be unable to respond quickly in response to changes in their industry and new competitive challenges and may not be able to attain the high growth rates of successful smaller companies. The securities of mid-cap companies may be more volatile and may involve more risk than the securities of larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market across all major industry groups except the financial industry. To the extent that the Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index is comprised of securities issued by companies in a particular sector, that company’s securities may not perform as well as companies in other sectors or the market as a whole. Any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">An Index May be Substituted </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We have the right to substitute a comparable index prior to the Term End Date if any Index is discontinued or we </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">determine that our use of such Index should be discontinued because we are no longer licensed to use the Index, the method of calculation of the Index Value is substantially changed, or if Index Values become unavailable for any reason. We would attempt to choose a substitute index that has a similar investment objective and risk profile to the replaced index. In the event that a similar index is not found, we will substitute the original Index with a domestic or international broad-based securities market index. A Shield Option will not end prior to the Term End Date due to our inability to find a similar index. The substituted Index may not be acceptable to you, and you will be unable to transfer your Investment Amount in the associated Shield Option to another Shield Option(s) or the Fixed Account (if available) until the Transfer Period coinciding with the Term End Date. If you no longer want to remain invested in that Shield Option for the remainder of the Term, your only option will be to withdraw the related Investment Amount. If you withdraw the Investment Amount, the amount withdrawn will be the Interim Value. See “Risk of Loss” above for more information about the risks of withdrawals based on Interim Value. Additionally, you might incur Withdrawal Charges, taxes, and tax penalties. Upon substitution of an Index, we will calculate your Index Performance on the replaced Index up until the date of substitution and the substitute Index from the date of substitution to the Term End Date. An Index substitution will not change the Shield Rate, Cap Rate, Step Rate, or Edge Rate for an existing Shield Option. The performance of the new Index may not be as good as the one that it substituted and as a result your Index Performance may have been better if there had been no substitution. If you have exercised the Performance Lock, a subsequent index substitution will have no impact on the Performance Lock Value of that Shield Option.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate Risks </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0%;">For all Shield Options, if negative Index Performance exceeds the corresponding Shield Rate at the Term End Date, you will bear the portion of the loss that exceeds the Shield Rate. Under the currently offered Shield Rates, the maximum amount of loss you could experience due to negative index performance at the end of a Term, after taking into account these levels of protection, would be: </span><span style="font-family:Arial Narrow;font-size:10pt;">90</span><span style="font-family:Arial Narrow;font-size:10pt;">% for 10% downside protection; </span><span style="font-family:Arial Narrow;font-size:10pt;">85</span><span style="font-family:Arial Narrow;font-size:10pt;">% for 15% downside protection; and </span><span style="font-family:Arial Narrow;font-size:10pt;">75</span><span style="font-family:Arial Narrow;font-size:10pt;">% for 25% downside </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0%;">protection. </span><span style="font-family:Arial Narrow;font-size:10pt;">We do not guarantee that there will always be a Shield Option under the Contract that provides this minimum </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0%;">amount of downside protection; however, there will always be at least one Shield Option available </span><span style="font-family:Arial Narrow;font-size:10pt;">with a minimum of 10% downside protection.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Options with Higher Shield Rates </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In deciding whether to choose a Shield Option with a higher Shield Rate, you should consider that Shield Options with </span><span style="font-family:Arial Narrow;font-size:10pt;">higher Shield Rates tend to have lower Cap Rates, Step Rates, and Edge Rates, as applicable, than Shield Options with lower Shield Rates that have the same index and term. This is because of the additional protection provided by the higher Shield Rates.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Rate Crediting Type Risks </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Cap Rate, Step Rate, or Edge Rate may limit any positive Index Performance used in calculating the Performance </span><span style="font-family:Arial Narrow;font-size:10pt;">Rate credited on the Term End Date. This means that the Performance Rate may be lower than the Index Performance because any positive return of the respective Index is subject to a maximum in the form of the Cap Rate, Step Rate, or Edge Rate. We set Cap Rates, Step Rates, and Edge Rates</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">at our discretion, subject to the minimum guaranteed rates shown in the applicable Shield Option Riders attached to your Contract. You bear the risk that we will not set these higher than the minimum guaranteed rates. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For Shield Options with Step Rate Edge, there could be situations when a small difference in the Index Performance </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">results in significantly different Performance Rates. For example, if Index Performance is -9.5%, the Shield Rate is 10% and the Edge Rate is 7%, the Performance Rate will equal the Edge Rate, or 7%. On the other hand, if Index Performance is -10.5% and the Shield Rate is 10%, the Performance Rate will equal -0.5%.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Issuing Company </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">No company other than BLNY has any legal responsibility to pay amounts that BLNY owes under the Contract. An Owner </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">should look to the financial strength of BLNY for its claims-paying ability.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Systematic Withdrawal Program </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You may elect the Systematic Withdrawal Program to provide automated processing of amounts withdrawn from your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract, subject to program terms. For automated processing of RMD amounts withdrawn from an IRA Contract or qualified annuity Contract, you may elect this program in any Contract year. However, for automated processing of amounts withdrawn for purposes other than RMDs, you may elect this program after the first Contract Year for up to 10% of your Account Value as of the prior Contract Anniversary. We do not assess a charge for this program. See “WITHDRAWAL PROVISIONS – Systematic Withdrawal Program” for availability and other restrictions. Withdrawals under this program are subject to the same risks as any other withdrawal. See “Adjustments Upon Taking a Withdrawal,” and “Effect of Withdrawals, Surrender, Annuitization or Death” above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Performance Lock Risks </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">With the Performance Lock Value you may receive less than you would have received had you not exercised the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Performance Lock. Furthermore, once the Performance Lock is exercised, it is irrevocable for the remainder of that Term. You will no longer participate in Index Performance, positive or negative, for the remainder of the Term after you exercise the Performance Lock. This means that under no circumstances will the Performance Lock Value increase during the remainder of the Term, and you will not receive a Performance Rate Adjustment or the protection of the Shield Rate from losses on any Performance Lock Value on the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We use the Interim Value calculated at the end of the current Business Day on which you exercise the Performance Lock </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">to determine the Performance Lock Value. This means you will not be able to determine in advance the Performance Lock Value, and it may be higher or lower than it was at the point in time you requested the Performance Lock. If the Performance Lock is exercised when the Interim Value is less than the Investment Amount, you will lock in any loss, which could be below the Shield Rate. If you exercise the Performance Lock on a Shield Option, you will not receive a Performance Rate Adjustment or the protection of the Shield Rate from losses on any Performance Lock Value on the Term End Date. It is possible that you would have realized less of a loss or more of a gain if the Performance Lock occurred at a later time, or if you did not exercise the Performance Lock. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you have exercised the Performance Lock on a Shield Option, the amount that is available before the Term End Date for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">annuitization, death benefits, withdrawals, and Surrenders will be the Performance Lock Value. Any withdrawals taken after exercising the Performance Lock will reduce the Performance Lock Value by the dollar amount of the withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There may not be an optimal time to exercise the Performance Lock on a Shield Option. We will not advise you as to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">whether you should or should not exercise the Performance Lock, or the optimal time for doing so. You should ask your financial professional before exercising the Performance Lock on a Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cybersecurity and Certain Business Continuity Risks </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Our business is largely conducted through complex information technology and communications systems operated by </span><span style="font-family:Arial Narrow;font-size:10pt;">us and our service providers and business partners (e.g., the firms involved in the distribution and sale of our products). Our operations rely on the secure processing, storage and transmission of data and confidential and other information in our systems and the systems of third-party service providers. We have established administrative and technical controls and business continuity and resilience plans to protect our operations against attempts by unauthorized third parties to improperly access, modify, disrupt the operation of, or prevent access to critical networks or systems or data within them (a “cyber-attack”). Despite these protocols, the techniques used to attack systems and networks change frequently, are becoming more sophisticated, and can originate from a wide variety of sources including internal actors (through malicious or accidental acts), terrorists, nation states, financially or politically motivated actors, or other third parties, such as external service providers. Furthermore, the rapid evolution and increased adoption of artificial intelligence technologies may intensify our cybersecurity risks, including the deployment of artificial intelligence technologies (“AI”) by malicious third parties and threat actors that may increase in sophistication and effectiveness in the future. There may be an increased risk of cyber-attacks that may adversely disrupt or degrade our operations and compromise our data during periods of geo-political or military conflict. There is also a chance that certain risks have not been identified or prepared for, or that an attack may not be detected which limits our ability, as well as that of our service providers and business partners, to plan for or respond to, an attack. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">A </span><span style="font-family:Arial Narrow;font-size:10pt;">failure</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">of our computer systems could cause significant interruptions in our operations, compromise the security, confidentiality or privacy of sensitive data, and otherwise adversely affect our business and ability to administer the Contracts. Unanticipated problems with, or failures, of, our disaster recovery systems and business continuity plans could also have a material, negative impact on our ability to conduct business and on our financial condition and operations, as well on individual Owners and their Contracts. Our operations also could be negatively impacted by a cyber-attack or system failure affecting a third party, such as a service provider, business partner, another participant in the financial markets or a governmental or regulatory authority. Disruptions or failures to our operations, systems and networks can originate from a wide variety of sources including, but not limited to, a disaster such as a natural catastrophe, epidemic or pandemic crisis, military or terrorist actions, cyber-attack, and unanticipated problems with our or our service providers’ disaster recovery systems (and the disaster recovery systems of such vendors’ suppliers, vendors, or subcontractors). Such disasters and events may adversely affect our ability to conduct business or administer the contract. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Cyber-attacks</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and disruptions or failures to our systems and business operations could result in regulatory fines or sanctions, litigation, penalties or financial losses, reputational harm, loss of customers, and/or otherwise adversely affect our business. Such events could also interfere with our processing of Contract transactions, including the processing of transfer orders from our website; impact our ability to calculate Contract values; cause the release and/or possible loss, misappropriation or corruption of data or confidential Owner or business information; or impede order processing or cause other operational issues. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We cannot control the cybersecurity plans and systems implemented by third parties, including service providers. </span><span style="font-family:Arial Narrow;font-size:10pt;">Although we continually make efforts to identify and reduce our exposure to cybersecurity risks and operations failures, there can be no assurance that we or our third party service providers will be able to detect, manage, prevent, or avoid cyber-attacks, disruptions, or failures affecting your Contract in the future.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Risk of Loss </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There is a risk of substantial loss of your principal (unless you allocated your entire Purchase Payment to the Fixed </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Account) because you agree to absorb all losses at the end of the Term that exceed the Shield Rate for the Shield Options you select under the Contract. This means that if a negative Index Performance for a Shield Option you select exceeds the corresponding Shield Rate at the Term End Date, you will bear the portion of the loss that exceeds the Shield Rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Interim Value Risk of Loss </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you have not exercised the Performance Lock on a Shield Option, the amount that is available between the Term Start </span><span style="font-family:Arial Narrow;font-size:10pt;">Date and the Term End Date for annuitization, death benefits, withdrawals (including RMDs and systematic withdrawals), Surrenders, and Performance Lock will be the Interim Value. To determine the Interim Value, we apply a formula which does not reflect the actual performance of the applicable Index, but rather a determination of the value of hypothetical underlying investments at the time of the Interim Value calculation. The Interim Value calculated may be less than the Investment Amount at the time the Interim Value is calculated even if the current Index Value is higher than it was on the Term Start Date. Additionally, the Shield Rate and the Rate Crediting Type only apply to amounts held in the investment until the Term End Date. This means that the Interim Value does not receive the protection from loss provided by the Shield Rate or the application of the Rate Crediting Type. The Interim Value could be more or less than the amount you would receive had you held the Shield Option until the Term End Date, after the Performance Rate Adjustment. There is a substantial risk of loss in connection with transactions from the Shield Options before the Term End Date, as discussed below under “Effect of Withdrawals, Surrender, Annuitization or Death.” A negative Interim Value could result in a loss beyond the protection of the Shield Rate. In extreme circumstances, you could lose up to </span><span style="font-family:Arial Narrow;font-size:10pt;">100</span><span style="font-family:Arial Narrow;font-size:10pt;">% of the value of the Shield Option if you exercise the Performance Lock, or if you make a withdrawal, Surrender, or otherwise remove amounts from the Shield Options before the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Withdrawals from the Shield Options before a Term End Date could have adverse impacts even if the Index Value has </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">increased at the time of the calculation because the withdrawal will not allow you to participate in the Index Performance for the Term with your entire Investment Amount. Amounts withdrawn before the end of the Term will not be credited with positive interest, if any, at the end of the Term. If you withdraw Account Value allocated to a Shield Option during a Term (assuming you have not exercised the Performance Lock), the withdrawal will reduce the Investment Amount for that Shield Option by the same percentage that the Interim Value of that Shield Option was reduced by the withdrawal. A proportional reduction may be larger than the dollar amount of your withdrawal even if the Index Value has increased. Reductions to the Investment Amount will have an adverse impact on the Interim Value for that Shield Option for the remainder of the Term and, as a result, the positive interest, if any, credited to the remaining Investment Amount on the Term End Date will be less than if you had not taken a withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For the risk of loss associated with the Performance Lock, see “Performance Lock Risks” below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> 1 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Liquidity Risk </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Contract is intended for retirement savings or other long-term investment purposes. The benefits of tax deferral and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">living benefit protection also mean the Contract is more beneficial to investors with a long-time horizon. The Contract is unsuitable as a short-term savings vehicle. Withdrawals (including RMDs and systematic withdrawals) and Surrenders from the Contract may be subject to Withdrawal Charges, income taxes, and income tax penalties if taken before age 59½. Additionally, withdrawals (including RMDs and systematic withdrawals), Surrenders, death benefit payments, and annuitization from the Shield Options before the Term End Date will be based on the Interim Values of the Shield Options, which may result in loss. See “Risk of Loss” above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">No Ownership of the Underlying Securities </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">When you purchase the Contract and allocate your Purchase Payment to a Shield Option(s), you will not be investing in </span><span style="font-family:Arial Narrow;font-size:10pt;">the Index or the securities tracked by the Index.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Adjustments Upon Taking a Withdrawal </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You may withdraw some or all of your money at any time prior to the Annuity Date. If you have not exercised the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Performance Lock, for any withdrawal taken on a Term End Date, a Performance Rate Adjustment, as of the date of the withdrawal, will apply. For any withdrawal taken between the Term Start Date and the Term End Date when you have not exercised the Performance Lock, we use an Interim Value calculation, which will reduce the Investment Amount for that Shield Option by the percentage reduction in the Interim Value of that Shield Option. The Performance Rate Adjustment, if negative, and proportional reduction may be substantial. Since withdrawal amounts from a Shield Option will reduce the Investment Amount for that Shield Option by the percentage reduction in the Interim Value of that Shield Option, a withdrawal when Interim Value is less than the Investment Amount will cause a greater percentage reduction in the Investment Amount that remains in your Shield Option relative to the percentage reduction for the same withdrawal amount when Interim Value is greater than the Investment Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Effect of Withdrawals, Surrender, Annuitization or Death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The calculation of your Interim Value may result in an amount that is less than the amount you would receive had you held the investment until the Term End Date. If you take a withdrawal when Index Performance is negative, your remaining Investment Amount may be significantly less than if you waited to take the withdrawal when Index Performance was positive. For more information on how we determine Interim Value and the potential adverse impacts of a withdrawal before the Term End Date, see “Risk of Loss” above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">○</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you Surrender your Contract prior to the Term End Date, we will pay either (i) the Interim Value, which may be less than if you held the Contract until all of your Shield Options reached their Term End Dates or (ii) the Performance Lock Value, which may be less than if you had not exercised the Performance Lock before the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">○</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you die (unless your Contract was issued with the Return of Premium death benefit), we will pay either (i) the Interim Value, which may be less than if you held the Contract until all of your Shield Options reached their Term End Dates or (ii) the Performance Lock Value, which may be less than if you had not exercised the Performance Lock before the Term End Date</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">○</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your Contract is annuitized between the Term Start Date and Term End Date, we will use either the Interim Value or the Performance Lock Value to calculate the Annuity Payments you will receive based on the applicable Annuity Option. In deciding on an Annuity Date, you should take into consideration the Term End Dates of your Shield Options relative to the Annuity Date you have chosen. </span><span style="font-family:Arial Narrow;font-size:10pt;">•</span><span style="font-family:Arial Narrow;font-size:10pt;">If you take a withdrawal (including RMDs and systematic withdrawals) your Account Value will be reduced by the amount withdrawn proportionally from your Shield Options, the Fixed Account, and the Holding Account unless you tell us from which specific Allocation Options, in which you currently have any Account Value, the withdrawal should be taken. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">All withdrawals will reduce the death benefit, perhaps significantly, and the reduction could be greater than the amount of the withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If your Account Value falls below the Minimum Account Value as a result of a withdrawal, we may terminate your Contract. (See “WITHDRAWAL PROVISIONS.”) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Limitations on Transfers </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You may make transfers between the Fixed Account and the Shield Option(s) and from the Holding Account to the Fixed </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Account and the Shield Options only during the Transfer Period. Unless you have a Shield Option with the Performance Lock Value, you cannot make transfers outside the Transfer Period and you cannot (i) transfer out of a current Shield Option to another Shield Option or the Fixed Account until the Term End Date of the current Shield Option, (ii) transfer out of the Fixed Account to a Shield Option until the Fixed Account Term End Date (which will not be less than one (1) year), or (iii) transfer from the Holding Account to a Shield Option or the Fixed Account until the next Contract Anniversary. In all cases, the amount transferred can only be transferred to new Shield Options or the Fixed Account. This may limit your ability to react to market conditions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you remain in your current Shield Option with the Performance Lock Value until the Term End Date and decide to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">transfer the Investment Amount to a new Shield Option, the Investment Amount on the Term Start Date of your new Shield Option will be the Performance Lock Value for that option, which may be higher or lower than the Investment Amount would have been on the Term End Date had you not exercised the Performance Lock. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In addition, you should understand that for renewals into the same Shield Option, a new Cap Rate, Step Rate, or Edge </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Rate as applicable, will be declared and will go into effect on the Contract Anniversary that coincides with the Term Start Date of the new Shield Option. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Moreover, at the Term End Date, the Investment Amount allocated to the Shield Option that has reached its Term End </span><span style="font-family:Arial Narrow;font-size:10pt;">Date will be automatically renewed into the same Shield Option, subject to the new Cap Rate, Step Rate, or Edge Rate as applicable, declared for that Term, unless you instruct us to transfer such amount into a different Shield Option(s) or the Fixed Account. If the same Shield Option is no longer available for investment at the Term End Date, the Investment Amount will automatically be transferred to the Fixed Account (if available), or to the Holding Account. Additionally, any Fixed Account Value will remain in the Fixed Account for another Term, subject to the new interest rate declared for that Term, unless you instruct us to transfer such amount to a Shield Option(s). If the Fixed Account is no longer available at the Fixed Account Term End Date, the Fixed Account Value will automatically be transferred into the Holding Account. Account Value automatically renewed or transferred in the absence of transfer instructions from you may not be transferred again until the next Transfer Period coinciding with a Term End Date. Unless you have a Shield Option with Performance Lock Value, you have only the Transfer Period to notify us that you want to transfer some or all of your Investment Amount to a new Shield Option(s) or the Fixed Account. Thus, failure to provide such instructions during the Transfer Period will result in an automatic renewal for a period of at least one (1) year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you have exercised the Performance Lock for a Shield Option you may transfer on any Contract Anniversary prior to the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">end of the Term and on the Term End Date. If you transfer the Performance Lock Value on a Contract Anniversary before the Term End Date, you may only transfer the entire amount of the Performance Lock Value. If you transfer the Performance Lock Value on the Term End Date, you may transfer all or a portion of the Performance Lock Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Partial transfers of Performance Lock Value prior to the Term End Date are not permitted.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Availability of Shield Options </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Your selling firm may choose not to recommend certain Shield Options described in this prospectus when your Contract </span><span style="font-family:Arial Narrow;font-size:10pt;">is issued or at the Term End Date. See Appendix G – Financial Intermediary Variations. Additionally, we reserve the right to change the duration of any new Shield Options, stop offering any of the Shield Options or suspend offering any of the Shield Options. We may also add Shield Options in the future. We are not obligated to offer any one particular Shield Option, but after your Contract is issued, there will always be at least one Shield Option available at the Term End Date, with a minimum of 10%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">downside protection. Consequently, if we were to offer only one Shield Option, you would be limited to investing in that one Shield Option. If that Shield Option does not meet your investment objectives or financial goals, you could transfer to the Fixed Account (if available at that time and subject to applicable conditions described in the “TRANSFERS” section, including the requirement to remain invested in the Fixed Account until the Fixed Account Term End Date), Surrender your Contract and/or invest in another investment vehicle. If you Surrender your Contract, you might incur taxes, tax penalties, Withdrawal Charges, or an Interim Value calculation. If you invest in another investment vehicle, that investment may have different features, fees and risks than your Contract. Similarly, a particular Shield Option may not be available for you to transfer your Investment Amount or Fixed Account Value into after a Term End Date or the Fixed Account Term End Date. If the same Shield Option is no longer available at the Term End Date, the Investment Amount in the applicable Shield Option(s) will automatically transfer into the Fixed Account at the Term End Date, unless you instruct us otherwise during the Transfer Period. The amounts transferred to the Fixed Account must remain in the Fixed Account until the Fixed Account Term End Date (which, currently, will not be less than one (1) year). The Investment Amount held in the Fixed Account may earn a return that is less than the return you might have earned if those amounts were held in a Shield Option. If we exercise this right, your ability to increase your Account Value and, consequently, increase your death benefit will be limited. If the Fixed Account is not available, the Investment Amount will automatically transfer into the Holding Account unless you instruct us otherwise. </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Risks Associated with the Referenced Indices </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each of the reference Indices is a “price return index,” not a “total return index,” and therefore does not reflect dividends </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">declared by any of the component companies in the Index. This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Because the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index, the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index, the MSCI EAFE Index, and the Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may increase or decline for reasons directly related to the issuers of the securities. (See “INDICES” and “SHIELD RATES.”) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In addition, each Index has its own unique risks, as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Index is composed of equity securities issued by large-capitalization (“large cap”) U.S. companies. In general, it is more difficult for large-cap companies to pivot their strategies quickly in response to changes in their industry. In addition, because they typically are more well-established, it is rare to see large-cap companies have the high growth rates that can be seen with successful small-capitalization (“small cap”) companies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Index is composed of equity securities of small-cap U.S. companies. Generally, the securities of small-cap companies are more volatile and riskier than the securities of larger companies. Small-cap companies are more likely to fail than larger companies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">MSCI EAFE Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The MSCI EAFE Index is comprised of equity securities of large- and mid-capitalization (“mid-cap”) companies and it is designed to measure the equity market performance of developed markets, including countries in Europe, Australia, and the Far East. In general, large-cap companies may be unable to respond quickly in response to changes in their industry and new competitive challenges and may not be able to attain the high growth rates of successful smaller companies. The securities of mid-cap companies may be more volatile and may involve more risk than the securities of larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market across all major industry groups except the financial industry. To the extent that the Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index is comprised of securities issued by companies in a particular sector, that company’s securities may not perform as well as companies in other sectors or the market as a whole. Any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each of the reference Indices is a “price return index,” not a “total return index,” and therefore does not reflect dividends </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">declared by any of the component companies in the Index. This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Because the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index, the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index, the MSCI EAFE Index, and the Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may increase or decline for reasons directly related to the issuers of the securities. (See “INDICES” and “SHIELD RATES.”) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In addition, each Index has its own unique risks, as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Index is composed of equity securities issued by large-capitalization (“large cap”) U.S. companies. In general, it is more difficult for large-cap companies to pivot their strategies quickly in response to changes in their industry. In addition, because they typically are more well-established, it is rare to see large-cap companies have the high growth rates that can be seen with successful small-capitalization (“small cap”) companies.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> This Index is composed of equity securities of small-cap U.S. companies. Generally, the securities of small-cap companies are more volatile and riskier than the securities of larger companies. Small-cap companies are more likely to fail than larger companies.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">MSCI EAFE Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The MSCI EAFE Index is comprised of equity securities of large- and mid-capitalization (“mid-cap”) companies and it is designed to measure the equity market performance of developed markets, including countries in Europe, Australia, and the Far East. In general, large-cap companies may be unable to respond quickly in response to changes in their industry and new competitive challenges and may not be able to attain the high growth rates of successful smaller companies. The securities of mid-cap companies may be more volatile and may involve more risk than the securities of larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market across all major industry groups except the financial industry. To the extent that the Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index is comprised of securities issued by companies in a particular sector, that company’s securities may not perform as well as companies in other sectors or the market as a whole. Any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">An Index May be Substituted </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We have the right to substitute a comparable index prior to the Term End Date if any Index is discontinued or we </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">determine that our use of such Index should be discontinued because we are no longer licensed to use the Index, the method of calculation of the Index Value is substantially changed, or if Index Values become unavailable for any reason. We would attempt to choose a substitute index that has a similar investment objective and risk profile to the replaced index. In the event that a similar index is not found, we will substitute the original Index with a domestic or international broad-based securities market index. A Shield Option will not end prior to the Term End Date due to our inability to find a similar index. The substituted Index may not be acceptable to you, and you will be unable to transfer your Investment Amount in the associated Shield Option to another Shield Option(s) or the Fixed Account (if available) until the Transfer Period coinciding with the Term End Date. If you no longer want to remain invested in that Shield Option for the remainder of the Term, your only option will be to withdraw the related Investment Amount. If you withdraw the Investment Amount, the amount withdrawn will be the Interim Value. See “Risk of Loss” above for more information about the risks of withdrawals based on Interim Value. Additionally, you might incur Withdrawal Charges, taxes, and tax penalties. Upon substitution of an Index, we will calculate your Index Performance on the replaced Index up until the date of substitution and the substitute Index from the date of substitution to the Term End Date. An Index substitution will not change the Shield Rate, Cap Rate, Step Rate, or Edge Rate for an existing Shield Option. The performance of the new Index may not be as good as the one that it substituted and as a result your Index Performance may have been better if there had been no substitution. If you have exercised the Performance Lock, a subsequent index substitution will have no impact on the Performance Lock Value of that Shield Option.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate Risks </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0%;">For all Shield Options, if negative Index Performance exceeds the corresponding Shield Rate at the Term End Date, you will bear the portion of the loss that exceeds the Shield Rate. Under the currently offered Shield Rates, the maximum amount of loss you could experience due to negative index performance at the end of a Term, after taking into account these levels of protection, would be: </span><span style="font-family:Arial Narrow;font-size:10pt;">90</span><span style="font-family:Arial Narrow;font-size:10pt;">% for 10% downside protection; </span><span style="font-family:Arial Narrow;font-size:10pt;">85</span><span style="font-family:Arial Narrow;font-size:10pt;">% for 15% downside protection; and </span><span style="font-family:Arial Narrow;font-size:10pt;">75</span><span style="font-family:Arial Narrow;font-size:10pt;">% for 25% downside </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0%;">protection. </span><span style="font-family:Arial Narrow;font-size:10pt;">We do not guarantee that there will always be a Shield Option under the Contract that provides this minimum </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0%;">amount of downside protection; however, there will always be at least one Shield Option available </span><span style="font-family:Arial Narrow;font-size:10pt;">with a minimum of 10% downside protection.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Options with Higher Shield Rates </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In deciding whether to choose a Shield Option with a higher Shield Rate, you should consider that Shield Options with </span><span style="font-family:Arial Narrow;font-size:10pt;">higher Shield Rates tend to have lower Cap Rates, Step Rates, and Edge Rates, as applicable, than Shield Options with lower Shield Rates that have the same index and term. This is because of the additional protection provided by the higher Shield Rates.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> 0.90 0.85 0.75 <span style="font-family:Arial Narrow;font-size:10pt;">We do not guarantee that there will always be a Shield Option under the Contract that provides this minimum </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0%;">amount of downside protection; however, there will always be at least one Shield Option available </span><span style="font-family:Arial Narrow;font-size:10pt;">with a minimum of 10% downside protection.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Rate Crediting Type Risks </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Cap Rate, Step Rate, or Edge Rate may limit any positive Index Performance used in calculating the Performance </span><span style="font-family:Arial Narrow;font-size:10pt;">Rate credited on the Term End Date. This means that the Performance Rate may be lower than the Index Performance because any positive return of the respective Index is subject to a maximum in the form of the Cap Rate, Step Rate, or Edge Rate. We set Cap Rates, Step Rates, and Edge Rates</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">at our discretion, subject to the minimum guaranteed rates shown in the applicable Shield Option Riders attached to your Contract. You bear the risk that we will not set these higher than the minimum guaranteed rates. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For Shield Options with Step Rate Edge, there could be situations when a small difference in the Index Performance </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">results in significantly different Performance Rates. For example, if Index Performance is -9.5%, the Shield Rate is 10% and the Edge Rate is 7%, the Performance Rate will equal the Edge Rate, or 7%. On the other hand, if Index Performance is -10.5% and the Shield Rate is 10%, the Performance Rate will equal -0.5%.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Issuing Company </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">No company other than BLNY has any legal responsibility to pay amounts that BLNY owes under the Contract. An Owner </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">should look to the financial strength of BLNY for its claims-paying ability.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Systematic Withdrawal Program </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You may elect the Systematic Withdrawal Program to provide automated processing of amounts withdrawn from your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract, subject to program terms. For automated processing of RMD amounts withdrawn from an IRA Contract or qualified annuity Contract, you may elect this program in any Contract year. However, for automated processing of amounts withdrawn for purposes other than RMDs, you may elect this program after the first Contract Year for up to 10% of your Account Value as of the prior Contract Anniversary. We do not assess a charge for this program. See “WITHDRAWAL PROVISIONS – Systematic Withdrawal Program” for availability and other restrictions. Withdrawals under this program are subject to the same risks as any other withdrawal. See “Adjustments Upon Taking a Withdrawal,” and “Effect of Withdrawals, Surrender, Annuitization or Death” above.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Performance Lock Risks </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">With the Performance Lock Value you may receive less than you would have received had you not exercised the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Performance Lock. Furthermore, once the Performance Lock is exercised, it is irrevocable for the remainder of that Term. You will no longer participate in Index Performance, positive or negative, for the remainder of the Term after you exercise the Performance Lock. This means that under no circumstances will the Performance Lock Value increase during the remainder of the Term, and you will not receive a Performance Rate Adjustment or the protection of the Shield Rate from losses on any Performance Lock Value on the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We use the Interim Value calculated at the end of the current Business Day on which you exercise the Performance Lock </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">to determine the Performance Lock Value. This means you will not be able to determine in advance the Performance Lock Value, and it may be higher or lower than it was at the point in time you requested the Performance Lock. If the Performance Lock is exercised when the Interim Value is less than the Investment Amount, you will lock in any loss, which could be below the Shield Rate. If you exercise the Performance Lock on a Shield Option, you will not receive a Performance Rate Adjustment or the protection of the Shield Rate from losses on any Performance Lock Value on the Term End Date. It is possible that you would have realized less of a loss or more of a gain if the Performance Lock occurred at a later time, or if you did not exercise the Performance Lock. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you have exercised the Performance Lock on a Shield Option, the amount that is available before the Term End Date for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">annuitization, death benefits, withdrawals, and Surrenders will be the Performance Lock Value. Any withdrawals taken after exercising the Performance Lock will reduce the Performance Lock Value by the dollar amount of the withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There may not be an optimal time to exercise the Performance Lock on a Shield Option. We will not advise you as to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">whether you should or should not exercise the Performance Lock, or the optimal time for doing so. You should ask your financial professional before exercising the Performance Lock on a Shield Option. </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cybersecurity and Certain Business Continuity Risks </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Our business is largely conducted through complex information technology and communications systems operated by </span><span style="font-family:Arial Narrow;font-size:10pt;">us and our service providers and business partners (e.g., the firms involved in the distribution and sale of our products). Our operations rely on the secure processing, storage and transmission of data and confidential and other information in our systems and the systems of third-party service providers. We have established administrative and technical controls and business continuity and resilience plans to protect our operations against attempts by unauthorized third parties to improperly access, modify, disrupt the operation of, or prevent access to critical networks or systems or data within them (a “cyber-attack”). Despite these protocols, the techniques used to attack systems and networks change frequently, are becoming more sophisticated, and can originate from a wide variety of sources including internal actors (through malicious or accidental acts), terrorists, nation states, financially or politically motivated actors, or other third parties, such as external service providers. Furthermore, the rapid evolution and increased adoption of artificial intelligence technologies may intensify our cybersecurity risks, including the deployment of artificial intelligence technologies (“AI”) by malicious third parties and threat actors that may increase in sophistication and effectiveness in the future. There may be an increased risk of cyber-attacks that may adversely disrupt or degrade our operations and compromise our data during periods of geo-political or military conflict. There is also a chance that certain risks have not been identified or prepared for, or that an attack may not be detected which limits our ability, as well as that of our service providers and business partners, to plan for or respond to, an attack. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">A </span><span style="font-family:Arial Narrow;font-size:10pt;">failure</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">of our computer systems could cause significant interruptions in our operations, compromise the security, confidentiality or privacy of sensitive data, and otherwise adversely affect our business and ability to administer the Contracts. Unanticipated problems with, or failures, of, our disaster recovery systems and business continuity plans could also have a material, negative impact on our ability to conduct business and on our financial condition and operations, as well on individual Owners and their Contracts. Our operations also could be negatively impacted by a cyber-attack or system failure affecting a third party, such as a service provider, business partner, another participant in the financial markets or a governmental or regulatory authority. Disruptions or failures to our operations, systems and networks can originate from a wide variety of sources including, but not limited to, a disaster such as a natural catastrophe, epidemic or pandemic crisis, military or terrorist actions, cyber-attack, and unanticipated problems with our or our service providers’ disaster recovery systems (and the disaster recovery systems of such vendors’ suppliers, vendors, or subcontractors). Such disasters and events may adversely affect our ability to conduct business or administer the contract. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Cyber-attacks</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">and disruptions or failures to our systems and business operations could result in regulatory fines or sanctions, litigation, penalties or financial losses, reputational harm, loss of customers, and/or otherwise adversely affect our business. Such events could also interfere with our processing of Contract transactions, including the processing of transfer orders from our website; impact our ability to calculate Contract values; cause the release and/or possible loss, misappropriation or corruption of data or confidential Owner or business information; or impede order processing or cause other operational issues. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We cannot control the cybersecurity plans and systems implemented by third parties, including service providers. </span><span style="font-family:Arial Narrow;font-size:10pt;">Although we continually make efforts to identify and reduce our exposure to cybersecurity risks and operations failures, there can be no assurance that we or our third party service providers will be able to detect, manage, prevent, or avoid cyber-attacks, disruptions, or failures affecting your Contract in the future.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">SHIELD OPTIONS </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity is not a variable annuity where your account value varies based on the investment performance of the underlying portfolios you choose, rather the Shield Options offer potential interest based upon index performance. This potential interest—the Performance Rate Adjustment—may be a positive or negative percentage or zero.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You may allocate your Purchase Payment to one or more of the available Shield Options and the Fixed Account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When you allocate your Purchase Payment to a Shield Option(s), you will not be investing in the Index or the securities tracked by the Index for the Shield Options you select, or in a mutual fund or exchange traded fund that also tracks the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Based upon the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance of the Index associated with the Shield Option, a Performance Rate Adjustment will be applied to the Investment Amount in that Shield Option on the Term End Date. Given that Index Performance may be positive, zero or negative, your Performance Rate Adjustment may be positive, zero or negative. We calculate the Interim Value of each Shield Option on any Business Day other than the Term Start Date and Term End Date. If applicable, the Interim Value is the amount that is available for annuitization, death benefits, withdrawals, Surrenders, and Performance Lock. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You could lose a significant amount of money if the Index Value declines. It is possible for you to lose a portion of the </span><span style="font-family:Arial Narrow;font-size:10pt;">Purchase Payment and any earnings invested in the Contract.</span><span style="font-family:Arial Narrow;font-size:10pt;"> The Performance Rate Adjustment is based on a certain amount </span><span style="font-family:Arial Narrow;font-size:10pt;">of protection against decreases in an Index Value and a limitation on potential positive interest based on an Index Value. The extent of the downside protection varies by the Shield Rate you select. If you access amounts in the Shield Options before the Term End Date (through a withdrawal, Surrender, death benefit payment, annuitization, or to exercise the Performance Lock), we will instead calculate the Interim Value of your investment in the Shield Amount. The Interim Value is calculated on each Business Day between the Term Start Date and the Term End Date. </span><span style="font-family:Arial Narrow;font-size:10pt;">You could lose a significant amount of money due to an </span><span style="font-family:Arial Narrow;font-size:10pt;">Interim Value calculation (and any associated proportional reduction to the Investment Amount associated with the Shield Option) if amounts are removed from a Shield Option. (See “Interim Value Calculation” under “CHARGES, FEES, AND ADJUSTMENTS.”)</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You have the opportunity to allocate your Investment Amount to any of the Shield Options described below, subject to the </span><span style="font-family:Arial Narrow;font-size:10pt;">requirements, limitations and procedures disclosed in the prospectus. We are not obligated to offer any one particular Shield Option and your selling firm may limit the Shield Options available through that firm when your Contract is issued. See Appendix G – Financial Intermediary Variations. After the Contract is issued, there will always be at least one Shield Option available with a minimum of 10%</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">downside protection. If we were to offer only one Shield Option, you would be limited to investing in that one Shield Option. If that Shield Option does not meet your investment objectives or financial goals, you could transfer to the Fixed Account, Surrender your Contract and/or invest in another investment vehicle. If you Surrender your Contract, you might incur taxes, tax penalties, Withdrawal Charges, or an Interim Value calculation. If you invest in another investment vehicle, that investment may have different features, fees, and risks than your Contract. Each Shield Option has an associated (i) Term, (ii) Index, (iii) Shield Rate and (iv) Rate Crediting Type you select.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Information regarding the features of each currently offered Shield Option, including (i) its name, (ii) its type (e.g., market </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index, exchange-traded fund, etc.), or a brief statement describing the assets that the Index seeks to track (e.g., U.S. large-cap equities), (iii) its Term, (iv) its Rate Crediting Type, (v) its Shield Rate, and (vi) its Minimum Guaranteed Cap Rate, Step Rate, or Edge Rate, is available in an appendix to this prospectus. See “Appendix A – Investment Options Available Under the Contract.” </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Indices are described in more detail below, under the heading “Indices.” For each new Shield Option we declare a </span><span style="font-family:Arial Narrow;font-size:10pt;">new Cap Rate, Step Rate, or Edge Rate, as applicable, for each Term, subject to the Minimum Guaranteed Cap Rate, Step Rate, or Edge Rate, shown in the applicable Shield Option Riders attached to your Contract. The initial Cap Rate, Step Rate, or Edge Rate, as applicable, for each Shield Option is declared on the Issue Date. Thereafter the Cap Rate, Step Rate, or Edge Rate,, as applicable, for each subsequent Shield Option is declared for each subsequent Term, subject to the minimum guaranteed rates. See “Cap Rate”, “Step Rate”, and “Step Rate Edge”. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Please note, Shield Options with higher Shield Rates tend to have lower Cap Rates, Step Rates, and Edge Rates, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">as applicable, than other Shield Options that use the same Index and Term but provide lower Shield Rates.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> For example, a Shield Option with the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with a 3-Year Term and a Shield 15 will tend to have a Cap Rate that is lower than a Shield Option with the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with a 3-Year Term and a Shield 10. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">A Shield Option will always be available; however, we reserve the right to change the duration of any new Shield </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Options, stop offering any of the Shield Options or suspend offering any of the Shield Options. We may also add Shield Options in the future. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">INDICES </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Performance Rate of a Shield Option is based on the performance of the associated Index. We currently offer Shield </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Options with indices based on the performance of securities. In the future we may offer Shield Options based on other types of indices. We may also add or remove indices for new Contracts at our discretion. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">of the companies in this Index. This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The following Indices are currently available: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;"> Index (Price Return Index).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index includes 500 large cap stocks from leading companies in leading industries of the U.S. economy, capturing approximately 80% coverage of U.S. equities by market capitalization.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;"> Index (Price Return Index).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index measures the performance of the small-cap segment of the U.S. equity universe. The Russell 2000 is a subset of the Russell 3000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index representing approximately 10% of the total market capitalization of that index. It includes approximately 2000 of the smallest securities based on a combination of their market cap and current index membership.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">MSCI EAFE Index (Price Return Index).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The MSCI EAFE Index (Europe, Australasia, Far East) is a free float-adjusted market capitalization index that is designed to measure the equity market performance of developed markets, excluding the US &amp; Canada. As of the date of this prospectus the MSCI EAFE Index consists of the following 21 developed market country indices: Australia, Austria, Belgium, Denmark, Finland, France, Germany, Hong Kong, Ireland, Israel, Italy, Japan, the Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, and the United Kingdom. Index Value and Index Performance will be calculated without any exchange rate adjustment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;"> (Price Return Index).   </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> includes 100 of the largest domestic and international non-financial securities listed on the Nasdaq Stock Market based on market capitalization. The Index reflects companies across major industry groups including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology. It does not contain securities of financial companies including investment companies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">See Appendix B for important information regarding the publishers of the Indices. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Discontinuation or Substantial Change to an Index. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If any Index is discontinued or we determine that our use of such Index should be discontinued because we are no </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">longer licensed to use the Index, the method of calculation is substantially changed, or if Index Values become unavailable for any reason, we may substitute a comparable index with a similar investment objective and risk profile.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will send you written notification thirty (30) days in advance of such substitution or as soon as reasonably possible.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> In the event that a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">similar index is not found, we will substitute the original Index with a domestic or international broad-based securities market index. A Shield Option will not end prior to the Term End Date due to our inability to find a similar index. The substituted Index may not be acceptable to you, and you will be unable to transfer your Investment Amount in the associated Shield Option to another Shield Option(s) or the Fixed Account (if available) until the Transfer Period coinciding with the Term End Date. If you no longer want to remain invested in that Shield Option for the remainder of the Term, your only option will be to withdraw the related Investment Amount. If you withdraw the Investment Amount, the amount withdrawn will be the Interim Value of the Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Upon substitution of an Index, we will calculate your Index Performance on the existing Index up until the date of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">substitution and the substitute Index from the date of substitution to the Term End Date. The Index Performance as of the Term End Date will be equal to the return from having invested in the initial Index up to the substitution date and then investing in the substitute Index from the date of substitution to the Term End Date assuming no withdrawals or transfers based on the following formula: (initial Index at Index substitution date ÷ initial Index at Term Start Date) x (substituted Index at Term End Date ÷ substituted Index at substitution date) – 1. An Index substitution will not change the Term, Shield Rate, Cap Rate, Step Rate, or Edge Rate for an existing Shield Option. The performance of the new Index may not be as good as the one that it substituted and as a result your Index Performance may have been better if there had been no substitution. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">See Appendix C for an Index substitution Investment Amount example.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you have exercised the Performance Lock, a subsequent index substitution will have no impact on the Performance </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lock Value of that Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Index Value of an Index, on a Business Day, is the published closing value of the Index on that Business Day. The </span><span style="font-family:Arial Narrow;font-size:10pt;">Index Value on any day that is not a Business Day is the value as of the prior Business Day. If an Index Value is not published on a Business Day, the closing Index Value on the next Business Day on which the Index Value is published will be used. We will use consistent sources to obtain Index Values. If these sources are no longer available for specific indices, we will select an alternative published source(s) for these Index Values. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Index Performance is the percentage change in an Index Value measured from the Term Start Date to any day, including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Term End Date, within the Term. The Index Performance can be positive, zero or negative. The Performance Rate of a Shield Option is based on the performance of an Index. We calculate the Performance Rate only on the Term End Date. Any increase or reduction in the Investment Amount in a particular Shield Option is determined by multiplying the Performance Rate by the Investment Amount of the Shield Option on the last day of the Term.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Examples </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The bar charts shown below provide each Index’s annual returns for the last 10 calendar years (or for the life of the Index </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if less than 10 years), as well as the Index returns after applying a hypothetical 5% cap and a hypothetical 10% buffer (Shield Rate). The chart illustrates the variability of the returns from year to year and shows how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">The performance below is NOT the performance of any Shield Option. Your performance under the Contract will </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">differ, perhaps significantly. The performance below may reflect a different return calculation, time period, and limit on Index gains and losses than the Shield Options, and does not reflect Contract fees and charges, including the Interim Value calculation, which reduces performance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index* </span> <img alt=" " src="g46806sp500_2.jpg" style="height:225pt;width:448pt;"/><span style="float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-5.5pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">* </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index* </span> <img alt=" " src="g46806russell2000_3.jpg" style="height:225pt;width:448pt;"/><span style="float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-5.5pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">* </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">MSCI EAFE Index* </span> <img alt=" " src="g46806mscieafe_3.jpg" style="height:225pt;width:448pt;"/><span style="float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-5.5pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">* </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> * </span> <img alt=" " src="g46806nasdaq100_3.jpg" style="height:225pt;width:448pt;"/><span style="float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-5.5pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">* </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity is not a variable annuity where your account value varies based on the investment performance of the underlying portfolios you choose, rather the Shield Options offer potential interest based upon index performance. This potential interest—the Performance Rate Adjustment—may be a positive or negative percentage or zero.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">When you allocate your Purchase Payment to a Shield Option(s), you will not be investing in the Index or the securities tracked by the Index for the Shield Options you select, or in a mutual fund or exchange traded fund that also tracks the Index.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You could lose a significant amount of money if the Index Value declines. It is possible for you to lose a portion of the </span><span style="font-family:Arial Narrow;font-size:10pt;">Purchase Payment and any earnings invested in the Contract.</span> <span style="font-family:Arial Narrow;font-size:10pt;">You could lose a significant amount of money due to an </span><span style="font-family:Arial Narrow;font-size:10pt;">Interim Value calculation (and any associated proportional reduction to the Investment Amount associated with the Shield Option) if amounts are removed from a Shield Option. (See “Interim Value Calculation” under “CHARGES, FEES, AND ADJUSTMENTS.”)</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">TERM </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Term is the number of years that a Shield Option is in effect. For specific Shield Options we currently offer Terms of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1 year, 2 years, 3 years, or 6 years. An initial Term(s) begins on the Issue Date. A Term ends and a subsequent Term begins on the Contract Anniversary coinciding with the duration of the then current Term for the Shield Option you have selected. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In deciding whether to purchase a Shield Option with a longer or shorter Term, consider that investing in Shield Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">with shorter Terms will provide more opportunities for receiving Performance Rate Adjustments, and reallocating Account Value in response to changing market conditions. Additionally, there will be more opportunities to access your Account Value without resulting in an Interim Value calculation (and any associated proportional reduction to your Investment Amount). However, Shield Options with shorter Terms may have less potential for Index gains because Index Performance is measured over a shorter period of time. Conversely, investing in Shield Options with longer Terms will provide fewer opportunities for Performance Rate Adjustments and reduce the frequency at which you can reallocate Account Value, in addition to limiting your ability to access your Account Value without an Interim Value calculation. However, Shield Options with longer Terms may provide more potential for Index gains. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Term Start Date </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each Shield Option will have a Term Start Date, which is the Contract Anniversary on which a Shield Option is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">established. The initial Term Start Date(s) begins on the Issue Date, and thereafter, will be the Contract Anniversary coinciding with the duration of the Term for the Shield Option completed. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Term End Date </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each Shield Option will have a Term End Date, which is the Contract Anniversary on which a Shield Option ends. Thirty </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(30) days in advance of the Term End Date, we will send you written notification stating that your current Shield Option is maturing and that, at the Term End Date, the Investment Amount allocated to that Shield Option will automatically be renewed into the same Shield Option unless you instruct us to transfer such amount into a different Shield Option(s) or the Fixed Account, if available. The notification will inform you of what your maturing Shield Options are and explain how you can obtain the different Shield Options available at the Term End Date, including the renewal Cap Rates, Step Rates, and Edge Rates, and the interest rate for the Fixed Account. You may also access information on our website at https://www.brighthousefinancial.com/products/rates/ where at least two months of available Shield Options and renewal rates are posted. If the same Shield Option is no longer available at the Term End Date, the Investment Amount will automatically transfer into the Fixed Account at the Term End Date, unless you instruct us otherwise. The amounts transferred to the Fixed Account must remain in the Fixed Account until the Fixed Account Term End Date (which, currently, will not be less than one (1) year). If the Fixed Account is not available, the Investment Amount will automatically transfer into the Holding Account, unless you instruct us otherwise. You have the Transfer Period to notify us that you want to transfer some or all of your Investment Amount to a new Shield Option(s) or the Fixed Account. For renewals into the same Shield Option, a new Cap Rate, Step Rate, or Edge Rate, as applicable, will be declared and will go into effect on the Contract Anniversary that coincides with the beginning of the new Term in the Shield Option that just ended. The amount transferred to the new Shield Option is the Investment Amount as of the Contract Anniversary.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Amounts must remain in a Shield Option until the Term End Date to be credited with all or partial interest, as </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">applicable, and to avoid a reduction in Interim Value and any proportional reduction to the Investment Amount associated with the Shield Option, in addition to potential tax consequences. Between the Term Start Date and the Term End Date, an Interim Value calculation is used to determine the amounts available for annuitization, death benefit payments, withdrawals (including RMDs and systematic withdrawals), Surrenders, and Performance Lock. See “CHARGES, FEES, AND ADJUSTMENTS -- Interim Value Calculation” for more information.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Term is the number of years that a Shield Option is in effect. For specific Shield Options we currently offer Terms of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1 year, 2 years, 3 years, or 6 years. An initial Term(s) begins on the Issue Date. A Term ends and a subsequent Term begins on the Contract Anniversary coinciding with the duration of the then current Term for the Shield Option you have selected. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In deciding whether to purchase a Shield Option with a longer or shorter Term, consider that investing in Shield Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">with shorter Terms will provide more opportunities for receiving Performance Rate Adjustments, and reallocating Account Value in response to changing market conditions. Additionally, there will be more opportunities to access your Account Value without resulting in an Interim Value calculation (and any associated proportional reduction to your Investment Amount). However, Shield Options with shorter Terms may have less potential for Index gains because Index Performance is measured over a shorter period of time. Conversely, investing in Shield Options with longer Terms will provide fewer opportunities for Performance Rate Adjustments and reduce the frequency at which you can reallocate Account Value, in addition to limiting your ability to access your Account Value without an Interim Value calculation. However, Shield Options with longer Terms may provide more potential for Index gains. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Term Start Date </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each Shield Option will have a Term Start Date, which is the Contract Anniversary on which a Shield Option is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">established. The initial Term Start Date(s) begins on the Issue Date, and thereafter, will be the Contract Anniversary coinciding with the duration of the Term for the Shield Option completed. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Term End Date </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each Shield Option will have a Term End Date, which is the Contract Anniversary on which a Shield Option ends. Thirty </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(30) days in advance of the Term End Date, we will send you written notification stating that your current Shield Option is maturing and that, at the Term End Date, the Investment Amount allocated to that Shield Option will automatically be renewed into the same Shield Option unless you instruct us to transfer such amount into a different Shield Option(s) or the Fixed Account, if available. The notification will inform you of what your maturing Shield Options are and explain how you can obtain the different Shield Options available at the Term End Date, including the renewal Cap Rates, Step Rates, and Edge Rates, and the interest rate for the Fixed Account. You may also access information on our website at https://www.brighthousefinancial.com/products/rates/ where at least two months of available Shield Options and renewal rates are posted. If the same Shield Option is no longer available at the Term End Date, the Investment Amount will automatically transfer into the Fixed Account at the Term End Date, unless you instruct us otherwise. The amounts transferred to the Fixed Account must remain in the Fixed Account until the Fixed Account Term End Date (which, currently, will not be less than one (1) year). If the Fixed Account is not available, the Investment Amount will automatically transfer into the Holding Account, unless you instruct us otherwise. You have the Transfer Period to notify us that you want to transfer some or all of your Investment Amount to a new Shield Option(s) or the Fixed Account. For renewals into the same Shield Option, a new Cap Rate, Step Rate, or Edge Rate, as applicable, will be declared and will go into effect on the Contract Anniversary that coincides with the beginning of the new Term in the Shield Option that just ended. The amount transferred to the new Shield Option is the Investment Amount as of the Contract Anniversary.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;"> Index (Price Return Index).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index includes 500 large cap stocks from leading companies in leading industries of the U.S. economy, capturing approximately 80% coverage of U.S. equities by market capitalization.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;"> Index (Price Return Index).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index measures the performance of the small-cap segment of the U.S. equity universe. The Russell 2000 is a subset of the Russell 3000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index representing approximately 10% of the total market capitalization of that index. It includes approximately 2000 of the smallest securities based on a combination of their market cap and current index membership.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">MSCI EAFE Index (Price Return Index).</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> The MSCI EAFE Index (Europe, Australasia, Far East) is a free float-adjusted market capitalization index that is designed to measure the equity market performance of developed markets, excluding the US &amp; Canada. As of the date of this prospectus the MSCI EAFE Index consists of the following 21 developed market country indices: Australia, Austria, Belgium, Denmark, Finland, France, Germany, Hong Kong, Ireland, Israel, Italy, Japan, the Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, and the United Kingdom. Index Value and Index Performance will be calculated without any exchange rate adjustment.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;"> (Price Return Index).   </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-style:italic;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> includes 100 of the largest domestic and international non-financial securities listed on the Nasdaq Stock Market based on market capitalization. The Index reflects companies across major industry groups including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology. It does not contain securities of financial companies including investment companies.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Discontinuation or Substantial Change to an Index. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If any Index is discontinued or we determine that our use of such Index should be discontinued because we are no </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">longer licensed to use the Index, the method of calculation is substantially changed, or if Index Values become unavailable for any reason, we may substitute a comparable index with a similar investment objective and risk profile.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will send you written notification thirty (30) days in advance of such substitution or as soon as reasonably possible.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> In the event that a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">similar index is not found, we will substitute the original Index with a domestic or international broad-based securities market index. A Shield Option will not end prior to the Term End Date due to our inability to find a similar index. The substituted Index may not be acceptable to you, and you will be unable to transfer your Investment Amount in the associated Shield Option to another Shield Option(s) or the Fixed Account (if available) until the Transfer Period coinciding with the Term End Date. If you no longer want to remain invested in that Shield Option for the remainder of the Term, your only option will be to withdraw the related Investment Amount. If you withdraw the Investment Amount, the amount withdrawn will be the Interim Value of the Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Upon substitution of an Index, we will calculate your Index Performance on the existing Index up until the date of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">substitution and the substitute Index from the date of substitution to the Term End Date. The Index Performance as of the Term End Date will be equal to the return from having invested in the initial Index up to the substitution date and then investing in the substitute Index from the date of substitution to the Term End Date assuming no withdrawals or transfers based on the following formula: (initial Index at Index substitution date ÷ initial Index at Term Start Date) x (substituted Index at Term End Date ÷ substituted Index at substitution date) – 1. An Index substitution will not change the Term, Shield Rate, Cap Rate, Step Rate, or Edge Rate for an existing Shield Option. The performance of the new Index may not be as good as the one that it substituted and as a result your Index Performance may have been better if there had been no substitution. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">See Appendix C for an Index substitution Investment Amount example.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you have exercised the Performance Lock, a subsequent index substitution will have no impact on the Performance </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Lock Value of that Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If any Index is discontinued or we determine that our use of such Index should be discontinued because we are no </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">longer licensed to use the Index, the method of calculation is substantially changed, or if Index Values become unavailable for any reason, we may substitute a comparable index with a similar investment objective and risk profile.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We will send you written notification thirty (30) days in advance of such substitution or as soon as reasonably possible.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Upon substitution of an Index, we will calculate your Index Performance on the existing Index up until the date of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">substitution and the substitute Index from the date of substitution to the Term End Date. The Index Performance as of the Term End Date will be equal to the return from having invested in the initial Index up to the substitution date and then investing in the substitute Index from the date of substitution to the Term End Date assuming no withdrawals or transfers based on the following formula: (initial Index at Index substitution date ÷ initial Index at Term Start Date) x (substituted Index at Term End Date ÷ substituted Index at substitution date) – 1. An Index substitution will not change the Term, Shield Rate, Cap Rate, Step Rate, or Edge Rate for an existing Shield Option. The performance of the new Index may not be as good as the one that it substituted and as a result your Index Performance may have been better if there had been no substitution. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">See Appendix C for an Index substitution Investment Amount example.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Appendix C </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Substitution Investment Amount Example </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The following example illustrates how we would calculate your Investment Amount on a Term End Date when there is an </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index substitution. We assume no withdrawals and a $100,000 Purchase Payment into a Shield Option with a 1-Year Term / Shield 10 / S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with a Cap Rate of 10%. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Initial Account Value:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:365pt;"> <tr style="height:15.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Amount at Term Start Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1-Year</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Initial Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Value on Term Start Date for S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,400</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Rate</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">On date of Index Substitution halfway through the Term:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:365pt;"> <tr style="height:15.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index substitution</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Number of days since Term Start Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">183</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Value for S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,330</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Performance for S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">–5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Substituted Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Value for Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index on substitution date</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,250</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Calculation of Investment Amount at Term End Date:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:365pt;"> <tr style="height:15.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Value for Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,375</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Performance for S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">–5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Performance for Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Total Index Performance for the Term</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate Adjustment</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,500</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:263.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Amount at Term End Date</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$104,500</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The following notes to the tables above provide important calculations showing how certain values are determined. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the Term Start Date to the date of the Index substitution. Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1330 [Index Value at date of substitution] — 1400 [Index Value at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1400 [Index Value at Term Start Date]) = –5% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the date of the Index substitution to the Term End Date. Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1375 [Index Value at Term End Date] — 1250 [Index Value at date of the substitution])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1250 [Index Value at date of substitution]) = 10% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Since there was an Index substitution from the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index (initial Index) to the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index (substituted Index), the total Index Performance for the Term is equal to the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index Value at the Index substitution date </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.00%;">divided by the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index Value at the Term Start Date multiplied by the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index Value at the Term End </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.00%;">Date divided by the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index Value at the substitution date –1. Total Index Performance for the Term is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1330 [initial Index at Index substitution date] ÷ 1400 [initial Index at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x (1375 [substituted Index at Term End Date] ÷ 1250 [substituted Index at substitution date]) –1 = 4.5% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Rate is equal to the Index Performance (4.5%) because the total Index Performance for the Term is greater than zero and less than the Cap Rate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Rate Adjustment is equal to the product of the Investment Amount at the Term Start Date adjusted for any withdrawals (including any applicable Withdrawal Charge) (there are no withdrawals in the example) multiplied by the Performance Rate. The Performance Rate Adjustment is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000 [Investment Amount at Term Start Date] x 4.5% [Performance Rate] = $4,500 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at Term End Date is equal to the Investment Amount at the Term Start Date adjusted for any withdrawals (including any applicable Withdrawal Charge) (there are no withdrawals in the example) plus the Performance Rate Adjustment. The Investment Amount at Term End Date is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000 [Investment Amount at Term Start Date] + $4,500 [Performance Rate Adjustment] = $104,500</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Index Value of an Index, on a Business Day, is the published closing value of the Index on that Business Day. The </span><span style="font-family:Arial Narrow;font-size:10pt;">Index Value on any day that is not a Business Day is the value as of the prior Business Day. If an Index Value is not published on a Business Day, the closing Index Value on the next Business Day on which the Index Value is published will be used. We will use consistent sources to obtain Index Values. If these sources are no longer available for specific indices, we will select an alternative published source(s) for these Index Values. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Index Performance is the percentage change in an Index Value measured from the Term Start Date to any day, including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Term End Date, within the Term. The Index Performance can be positive, zero or negative. The Performance Rate of a Shield Option is based on the performance of an Index. We calculate the Performance Rate only on the Term End Date. Any increase or reduction in the Investment Amount in a particular Shield Option is determined by multiplying the Performance Rate by the Investment Amount of the Shield Option on the last day of the Term.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The bar charts shown below provide each Index’s annual returns for the last 10 calendar years (or for the life of the Index </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">if less than 10 years), as well as the Index returns after applying a hypothetical 5% cap and a hypothetical 10% buffer (Shield Rate). The chart illustrates the variability of the returns from year to year and shows how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">The performance below is NOT the performance of any Shield Option. Your performance under the Contract will </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">differ, perhaps significantly. The performance below may reflect a different return calculation, time period, and limit on Index gains and losses than the Shield Options, and does not reflect Contract fees and charges, including the Interim Value calculation, which reduces performance.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index* </span> <img alt=" " src="g46806sp500_2.jpg" style="height:225pt;width:448pt;"/><span style="float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-5.5pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">* </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index* </span> <img alt=" " src="g46806russell2000_3.jpg" style="height:225pt;width:448pt;"/><span style="float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-5.5pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">* </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">MSCI EAFE Index* </span> <img alt=" " src="g46806mscieafe_3.jpg" style="height:225pt;width:448pt;"/><span style="float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-5.5pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">* </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> * </span> <img alt=" " src="g46806nasdaq100_3.jpg" style="height:225pt;width:448pt;"/><span style="float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-5.5pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">* </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">SHIELD RATES </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We will limit the negative Index Performance, as applicable, used in calculating the Performance Rate applied to the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Investment Amount on the Term End Date. The Shield Rate for each Shield Option is the amount of any negative Index Performance that is absorbed by us at the Term End Date. The Shield Rate only applies to amounts held in the Shield Option until the Term End Date. Any negative Index Performance beyond the Shield Rate will reduce the Investment Amount. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We currently offer the following Shield Rates—Shield 10, Shield 15 and Shield 25:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Example 1—Calculating your Investment Amount without the Performance Lock on a Term End Date </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The following examples illustrate how we calculate and credit interest under each Index crediting methodology </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">assuming hypothetical Index Performance and hypothetical limits on Index gains and losses. The examples assume no withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Examples 1A, 1B, and 1C are intended to show how the Investment Amount on a Term End Date is calculated. In each </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">example, assume Owner 1 allocates her $50,000 Purchase Payment into a 1-Year Term / Shield 10 / S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index and she allows her allocation to renew year to year for five years. In Example 1A she has selected the Shield 10 S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with a Cap Rate of 10%, in Example 1B she has selected the Shield 10 S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with a Step Rate of 8%, and in Example 1C she has selected the Shield 10 S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with an Edge Rate of 7%. For purposes of each example, assume the Example 1A Cap Rate stays at 10% for all five years, the Example 1B Step Rate stays at 8% for all five years, and the Example 1C Edge Rate stays at 7% for all five years. If a withdrawal were made, a Withdrawal Charge during the first 6 Contract Years as well as an Interim Value calculation may apply; and consequently the Investment Amount for the Term would be adjusted accordingly. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">Example 1A—Shield Option with Cap Rate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Owner 1 allocates her $50,000 Purchase Payment into a 1-Year Term / Shield 10 / S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with a Cap Rate of 10% and lets it renew year after year for five years. The following example illustrates how her initial $50,000 Purchase Payment could perform over a five-year period given fluctuating Index Values. For renewals into the same Shield Option a new Cap Rate would be declared and go into effect on the Contract Anniversary that coincides with the beginning of the new Shield Option. In some cases, we may declare a Cap Rate for a Shield Option as “uncapped” in which case the Performance Rate that can be received is equal to the Index Performance, subject to the Shield Rate. </span> <img alt=" " src="g46806graph20_1.jpg" style="height:211pt;width:361pt;"/><span style="color:#000000;float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-49pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:422pt;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Contract Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Start Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$55,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$57,750</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$57,750</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$57,750</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,200</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,197</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term End Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,200</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,197</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,017</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Performance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-15%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate (one year)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate Adjustment</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$5,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$2,750</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$0</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$0</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-$2,888</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$55,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$57,750</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$57,750</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$57,750</span></div></div></td> <td style="padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$54,862</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The following notes to the table above provide important calculations showing how certain values are determined. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Investment Amount at Term Start Date in year one is the $50,000 Purchase Payment. In years two through five, the Investment Amount at Term Start Date would be $55,000, $57,750, $57,750 and $57,750, respectively, which was the Investment Amount at Term End Date for the prior year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the Term Start Date to the Term End Date. For example, in year one, Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1,200 [Index Value at Term End Date] –1,000 [Index Value at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1,000 [Index Value at Term Start Date] = 20% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In year one, Index Performance exceeds the Cap Rate and therefore the Performance Rate is equal to the Cap Rate. In years two and three the Performance Rate is equal to the Index Performance because the Index Performance is not negative and does not exceed the Cap Rate. In year four the Performance Rate is 0% because the Index Performance is –5% and the Shield 10 absorbs up to 10% of the negative Index Performance. In year five, the Performance Rate is –5% because the Index Performance is –15% and the Shield 10 absorbs up to 10% of negative Index Performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Rate Adjustment is equal to the product of the Investment Amount at the Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) multiplied by the Performance Rate. For example, in year one the Performance Rate Adjustment is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] x 10% [Performance Rate] = $5,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at the Term End Date is equal to the Investment Amount at Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) plus the Performance Rate Adjustment. For example, in year one the Investment Amount at the Term End Date is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] + $5,000 [Performance Rate Adjustment] = $55,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">Example 1B—Shield Option with Step Rate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Owner 1 allocates her $50,000 Purchase Payment into a 1-Year Term / Shield 10 / S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with a Step Rate of 8% and lets it renew year after year for five years. The following example illustrates how her initial $50,000 Purchase Payment could perform over a five-year period given fluctuating Index Values. For renewals into the same Shield Option a new Step Rate would be declared and go into effect on the Contract Anniversary that coincides with the beginning of the new Shield Option. </span> <img alt=" " src="g46806graph21_1.jpg" style="height:211pt;width:361pt;"/><span style="color:#000000;float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-49pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:422pt;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Contract Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Start Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$54,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$58,320</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$62,986</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$62,986</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,050</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,134</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term End Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,050</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,134</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">964</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Performance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-15%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Step Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate (one year)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate Adjustment</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,320</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,666</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$0</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-$3,149</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$54,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$58,320</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$62,986</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$62,986</span></div></div></td> <td style="padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$59,837</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The following notes to the table above provide important calculations showing how certain values are determined. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at Term Start Date in year one is the $50,000 Purchase Payment. In years two through five, the Investment Amount at the Term Start Date would be $54,000, $58,320, $62,986 and $62,986, respectively, which was the Investment Amount at the Term End Date for the prior year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the Term Start Date to the Term End Date. For example, in year one, Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1,050 [Index Value at Term End Date] – 1,000 [Index Value at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1,000 [Index Value at Term Start Date]) = 5% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In years one, two and three the Performance Rate is equal to the Step Rate because the Index Performance is positive or zero. It should be noted that although Index Performance was 20% in year two, the Performance Rate is capped at 8% by the Step Rate. In year four the Performance Rate is 0% because the Index Performance is –10% and the Shield 10 absorbs up to 10% of the negative Index Performance. In year five, the Performance Rate is –5% because the Index Performance is –15% and the Shield 10 absorbs up to 10% of the negative Index Performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Rate Adjustment is equal to the product of the Investment Amount at the Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) multiplied by the Performance Rate. For example, in year one the Performance Rate Adjustment is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] x 8% [Performance Rate] = $4,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at the Term End Date is equal to the Investment Amount at Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) plus the Performance Rate Adjustment. For example, in year one the Investment Amount at the Term End Date is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] + $4,000 [Performance Rate Adjustment] = $54,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">Example 1C—Shield Option with Step Rate Edge: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Owner 1 allocates her $50,000 Purchase Payment into a 1-Year Term / Shield 10 / S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index with an Edge Rate of 7% and lets it renew year after year for five years. The following example illustrates how her initial $50,000 Purchase Payment could perform over a five-year period given fluctuating Index Values. For renewals into the same Shield Option a new Edge Rate would be declared and go into effect on the Contract Anniversary that coincides with the beginning of the new Shield Option. </span> <img alt=" " src="g46806g08y27_4.jpg" style="height:232pt;width:361pt;"/><span style="color:#000000;float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-49pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:422pt;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Contract Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Start Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$53,500</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$57,245</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$61,252</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$65,540</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,050</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,134</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term End Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,050</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,134</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">964</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Performance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-15%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Edge Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate (one year)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate Adjustment</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$3,500</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$3,745</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,007</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,288</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-$3,277</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$53,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$57,245</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$61,252</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$65,540</span></div></div></td> <td style="padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$62,263</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">The following notes to the table above provide important calculations showing how certain values are determined. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at Term Start Date in year one is the $50,000 Purchase Payment. In years two through five, the Investment Amount at the Term Start Date would be $53,500, $57,245, $61,252 and $65,540, respectively, which was the Investment Amount at the Term End Date for the prior year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the Term Start Date to the Term End Date. For example, in year one, Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1,050 [Index Value at Term End Date] – 1,000 [Index Value at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1,000 [Index Value at Term Start Date]) = 5% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In years one, two and three the Performance Rate is equal to the Edge Rate because the Index Performance is positive or zero. It should be noted that although Index Performance was 20% in year two, the Performance Rate is capped at 7% by the Edge Rate. In year four the Performance Rate is 7% because the Index Performance is –10% and does not exceed the Shield 10 which absorbs up to 10% of the negative Index Performance. In year five, the Performance Rate is –5% because the Index Performance is –15% and the Shield 10 absorbs up to 10% of the negative Index Performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Rate Adjustment is equal to the product of the Investment Amount at the Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) multiplied by the Performance Rate. For example, in year one the Performance Rate Adjustment is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] x 7% [Performance Rate] = $3,500 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at the Term End Date is equal to the Investment Amount at Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) plus the Performance Rate Adjustment. For example, in year one the Investment Amount at the Term End Date is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] + $3,500 [Performance Rate Adjustment] = $53,500</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:103pt;width:253pt;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:126.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:126.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Downside Protection</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:126.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:126.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">up to 10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:126.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 15</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:126.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">up to 15%</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:126.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 25</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:126.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">up to 25%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For example, a -15% Index Performance with a 10% Shield Rate will result in a -5% Performance Rate (the amount of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">negative Index Performance that exceeds the Shield Rate), meaning that we will reduce the Investment Amount associated with the Shield Option by -5%. A -10% Index Performance with a 25% Shield Rate will result in a 0% Performance Rate (unless you have a Shield Option with Step Rate Edge) (negative Index Performance up to the Shield Rate is absorbed by us), meaning that we will not adjust the Investment Amount associated with the Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Shield Rate may vary between Shield Options and, unless you have a Shield Option with a 1-year Term, is not an annual rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">In deciding whether to choose a Shield Option with a higher Shield Rate, you should consider that Shield Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with higher Shield Rates tend to have lower Cap Rates, Step Rates, and Edge Rates, as applicable, than Shield Options with lower Shield Rates that have the same Index and Term. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each Shield Option’s Shield Rate is guaranteed not to change for the life of the currently offered Shield Options. However, </span><span style="font-family:Arial Narrow;font-size:10pt;">we may stop offering any of the Shield Options or add new Shield Options, so the Shield Rates offered under the Contract may change from one Term to the next. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">We do not guarantee that there will always be a Shield Option under the Contract that provides this minimum amount of downside protection; however, there will always be at least one Shield Option available with a minimum of 10% downside protection. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We set the Shield Rates at our discretion. We consider various factors in determining the Shield Rates, including, but not </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">limited to, market conditions, administrative expenses, regulatory requirements, general economic trends, and competitive factors.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For example, a -15% Index Performance with a 10% Shield Rate will result in a -5% Performance Rate (the amount of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">negative Index Performance that exceeds the Shield Rate), meaning that we will reduce the Investment Amount associated with the Shield Option by -5%. A -10% Index Performance with a 25% Shield Rate will result in a 0% Performance Rate (unless you have a Shield Option with Step Rate Edge) (negative Index Performance up to the Shield Rate is absorbed by us), meaning that we will not adjust the Investment Amount associated with the Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Shield Rate may vary between Shield Options and, unless you have a Shield Option with a 1-year Term, is not an annual rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">In deciding whether to choose a Shield Option with a higher Shield Rate, you should consider that Shield Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with higher Shield Rates tend to have lower Cap Rates, Step Rates, and Edge Rates, as applicable, than Shield Options with lower Shield Rates that have the same Index and Term. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Each Shield Option’s Shield Rate is guaranteed not to change for the life of the currently offered Shield Options. However, </span><span style="font-family:Arial Narrow;font-size:10pt;">we may stop offering any of the Shield Options or add new Shield Options, so the Shield Rates offered under the Contract may change from one Term to the next. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">We do not guarantee that there will always be a Shield Option under the Contract that provides this minimum amount of downside protection; however, there will always be at least one Shield Option available with a minimum of 10% downside protection. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We set the Shield Rates at our discretion. We consider various factors in determining the Shield Rates, including, but not </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">limited to, market conditions, administrative expenses, regulatory requirements, general economic trends, and competitive factors.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cap Rate </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Cap Rate is the maximum rate that may be credited at the Term End Date based on Index Performance. For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">example, a 15% Index Performance with a 10% Cap Rate will result in a 10% Performance Rate (the Index Performance up to the Cap Rate), meaning that we will increase the Investment Amount associated with the Shield Option by 10%; or, a 5% Index Performance with a 10% Cap Rate will result in a 5% Performance Rate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Cap Rate may vary between Shield Options and, unless you have a Shield Option with a 1-year Term, is not an annual rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">   The Cap Rate only applies to amounts held in the Shield Option until the Term End Date. In some cases we may declare a Cap Rate for a Shield Option as “uncapped” in which case the Performance Rate that can be received is equal to the Index Performance, subject to the Shield Rate.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For renewals into the same Shield Option a new Cap Rate is declared for each subsequent Term. The actual Minimum </span><span style="font-family:Arial Narrow;font-size:10pt;">Guaranteed Cap Rates for your Contract are the amounts shown in the Cap Rate Shield Option Rider attached to your Contract, but the rates will not be less than what is shown in the Minimum Guaranteed Cap Rates table below.</span> <br/><span style="font-family:Arial Narrow;font-size:10pt;"> </span> <br/><span style="font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:13.5pt;"> <td colspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:459.0pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Minimum Guaranteed Cap Rates</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:112pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">1-Year Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">3-Year Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:112pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">6-Year Term</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:112pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:112pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">30%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:112pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 15</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:117.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">13.5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:112pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">27%</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:112pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 25</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3.5%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:117.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">N/A*</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:112pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">21%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">* Cap Rates are not offered with a Shield 25 with a 3-Year Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There are two ways you may find out what the renewal Cap Rates will be for a subsequent Term. Thirty (30) days before </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Term expires, we will send you notification, written or electronic depending on your selected preferences, indicating your maturing Shield Options and how you can obtain the new Cap Rates. You may also access our website at https://www.brighthousefinancial.com/products/rates/ where at least two months of renewal rates for the Rate Crediting Types and the interest rate for the Fixed Account are posted – i.e., for the current month and the following month. At the Term End Date, the Investment Amount will automatically be renewed into the same Shield Option, with the new Cap Rate, unless you elect to transfer such amount into a different Shield Option(s) or the Fixed Account. See “TRANSFERS.”</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Step Rate </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Step Rate is the rate credited at the Term End Date if the Index Performance is equal to or greater than zero. For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">example, a 15% Index Performance with an 8% Step Rate will result in an 8% Performance Rate (the Step Rate); or, a 5% Index Performance with an 8% Step Rate will result in an 8% Performance Rate (the Step Rate), meaning that we will increase the Investment Amount by 8%. The Step Rate only applies to amounts held in the Shield Option until the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Step Rate may vary between Shield Options and, unless you have a Shield Option with a 1-year Term, is not an annual rate. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For renewals into the same Shield Option a new Step Rate is declared for each subsequent Term, and such rate will not </span><span style="font-family:Arial Narrow;font-size:10pt;">be less than the Minimum Guaranteed Step Rate shown in the Step Rate Shield Option Rider attached to your Contract, but the rates will not be less than what is shown in the Minimum Guaranteed Step Rates table below.</span><span style="font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:13.5pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:459.00pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Minimum Guaranteed Step Rates</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:151.17pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">1-Year Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:151.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">2-Year Term</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:151.17pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:151.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:151.17pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 15</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:156.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4.5%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:151.16pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">9%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There are two ways you may find out what the renewal Step Rates will be for a subsequent Term. Thirty (30) days before </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Term expires, we will send you a notification, written or electronic depending on your selected preferences, indicating your maturing Shield Options and how you can obtain the new Step Rates. You may also access our website at https://www.brighthousefinancial.com/products/rates/ where at least two months of renewal rates for the Rate Crediting Types and the interest rate for the Fixed Account are posted – i.e., for the current month and the following month. At the Term End Date, the Investment Amount will automatically be renewed into the same Shield Option, with the new Step Rate, unless you elect to transfer such amount into a different Shield Option(s) or the Fixed Account. See “TRANSFERS.”</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Rate Crediting Type Considerations </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In deciding whether to purchase a Shield Option with a Cap Rate versus a Step Rate or Step Rate Edge, you should </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">consider the following: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Step Rates and Edge Rates are generally lower than Cap Rates. For example, if Index Performance is equal to or greater </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">than zero but less than the Step Rate, and you chose a Cap Rate for your Shield Option, your Performance Rate Adjustment will be lower than it otherwise would be had you chosen a Step Rate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Similarly, if Index Performance is equal to or greater than the Shield Rate but less than the Edge Rate, and you chose a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Cap Rate for your Shield Option, your Performance Rate Adjustment will be lower than it otherwise would be had you chosen an Edge Rate. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Alternatively, if Index Performance is positive and exceeds the Step Rate, and you chose a Step Rate for your Shield </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Option, your Performance Rate Adjustment will be lower than it otherwise would be had you chosen a Cap Rate. For example, if you chose a Shield Option with a 10% Cap Rate and there is a 15% Index Performance, your Performance Rate is 10%; however, if instead you were to choose a Shield Option with an 8% Step Rate, your Performance Rate would instead be 8%. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Similarly, if the Index Performance is equal to or greater than the Shield Rate and exceeds the Edge Rate, and you chose </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">an Edge Rate for your Shield Option, your Performance Rate Adjustment will be lower than it otherwise would be had you chosen a Cap Rate. For example, if you chose a Shield Option with a 10% Cap Rate and there is a 15% Index Performance, your Performance Rate is 10%; however, if instead you were to choose a Shield Option with an 7% Edge Rate, your Performance Rate would instead be 7%. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In deciding whether to purchase a Shield Option with a Step Rate versus Step Rate Edge, you should consider that Edge </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Rates are generally lower than Step Rates. However, Edge Rates may credit a positive Performance Rate even when Index Performance is negative up to the Shield Rate, whereas Step Rates are applicable only when Index Performance is zero or positive. For example, if you chose an Edge Rate of 7% and Index Performance is equal to or greater than the Shield Rate but less than zero, your Performance Rate would be 7%. On the other hand, if you chose a Step Rate of 8% and Index Performance is equal to or greater than the Shield Rate but less than zero, your Performance Rate would be 0% even though the Step Rate is higher than the Edge Rate. Conversely, if you chose an Edge Rate of 7% and Index Performance is equal to or greater than zero, your Performance Rate would be 7% whereas if you had chosen a Step Rate of 8%, your Performance Rate would be 8% rather than 7%. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You should keep in mind that unlike Shield Options with a Cap Rate or Step Rate , with a Shield Option with Step Rate </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Edge you will receive a positive Performance Rate equal to the Edge Rate even if Index Performance is negative, so long as such negative Index Performance does not exceed the Shield Rate.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Addition or Discontinuance of a Shield Option </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">A Shield Option will always be available; however, we can add or discontinue any Shield Option. When a change is made </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">to a Shield Option or an Index, or a change is made subsequent to the Issue Date, we will send a notification describing any changes to the Shield Option, as required by law. This change will take effect under your Contract as of the next Contract Anniversary for any allowable transfers into the Shield Option(s). If you are currently allocated in a Shield Option which is no longer available, you will remain in that Shield Option until the Term End Date, but that Shield Option will no longer be available following the Term End Date. For more on transfers and renewals, see “TRANSFERS.” </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Account Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Your Account Value is the total of the Fixed Account Value, the value of the Shield Option(s), and the Holding Account </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">value under your Contract during the Accumulation Period. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The following five sections of the prospectus describe (1) the calculation of Investment Amount, (2) Interim Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Calculation, (3) how withdrawals work, (4) how Transfers work, and (5) how Performance Lock works. Each section has corresponding example(s). These examples should not be considered a representation of past or future performance for any Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Actual performance may be greater or less than those shown in the examples. Similarly, the Index Values in the examples are not an estimate or guarantee of future Index Performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The rates for the Rate Crediting Types shown in the following examples are for illustrative purposes only and may not </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">reflect actual declared rates. Values are rounded for display purposes only. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Investment Amount </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Investment Amount for each Shield Option is equal to the Investment Amount at the Term Start Date, reduced </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">proportionately for any withdrawals (including RMDs, and systematic withdrawals) by the same percentage that the withdrawal reduces the Interim Value attributable to that Shield Option, adjusted by the Performance Rate at the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The remaining Investment Amount after a withdrawal will be used as the new Investment Amount for the Term until the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Term End Date for that Shield Option, or the next Interim Value calculation. On the Term End Date, we apply the Performance Rate to your Investment Amount. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Calculating your Investment Amount on a Term End Date </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Performance Rate can be positive, zero or negative and is determined as follows:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:14.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;width:155.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Shield Option type:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;width:152pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">If Index Performance is:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;width:151.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Performance Rate will equal:</span></div></div></td></tr> <tr style="height:93.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.75pt;vertical-align:Top;width:155.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options with a Cap Rate</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.75pt;vertical-align:Top;width:152pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">less than or equal to zero</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.75pt;vertical-align:Top;width:151.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the lesser of: zero or the Index </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance increased by the Shield </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rate (For example: a -15% Index </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance with Shield 10 will result </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in a -5% Performance Rate. The </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate can never be </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater than zero if the Index </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance is negative.)</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:155.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:152pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater than zero and less than the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:151.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Index Performance</span></div></div></td></tr> <tr style="height:27.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:4pt;vertical-align:Top;width:155.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:4pt;vertical-align:Top;width:152pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater than zero and equals or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">exceeds the Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:4pt;vertical-align:Top;width:151.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Cap Rate</span></div></div></td></tr> <tr style="height:93.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.75pt;vertical-align:Top;width:155.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options with a Step Rate</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.75pt;vertical-align:Top;width:152pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">less than zero</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.75pt;vertical-align:Top;width:151.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the lesser of: zero or the Index </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance increased by the Shield </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rate (For example: a -15% Index </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance with Shield 10 will result </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">in a -5% Performance Rate. The </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Rate can never be </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater than zero if the Index </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance is negative.)</span></div></div></td></tr> <tr style="height:16.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:4pt;vertical-align:Top;width:155.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:4pt;vertical-align:Top;width:152pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">equal to or greater than zero</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:4pt;vertical-align:Top;width:151.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Step Rate</span></div></div></td></tr> <tr style="height:49.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.75pt;vertical-align:Top;width:155.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options with Step Rate Edge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.75pt;vertical-align:Top;width:152pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">less than zero and exceeds the Shield </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Rate</span></div></div></td> <td style="padding-bottom:4pt;padding-top:2.75pt;vertical-align:Top;width:151.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Performance increased by the </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Rate (For example: a -15% </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Performance with Shield 10 will </span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">result in a -5% Performance Rate.)</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:155.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:152pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">less than zero but does not exceed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Shield Rate</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:151.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Edge Rate</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:155.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:152pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">zero or positive</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:151.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Edge Rate</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">Example 1A—Shield Option with Cap Rate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Owner 1 allocates her $50,000 Purchase Payment into a 1-Year Term / Shield 10 / S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with a Cap Rate of 10% and lets it renew year after year for five years. The following example illustrates how her initial $50,000 Purchase Payment could perform over a five-year period given fluctuating Index Values. For renewals into the same Shield Option a new Cap Rate would be declared and go into effect on the Contract Anniversary that coincides with the beginning of the new Shield Option. In some cases, we may declare a Cap Rate for a Shield Option as “uncapped” in which case the Performance Rate that can be received is equal to the Index Performance, subject to the Shield Rate. </span> <img alt=" " src="g46806graph20_1.jpg" style="height:211pt;width:361pt;"/><span style="color:#000000;float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-49pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:422pt;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Contract Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Start Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$55,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$57,750</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$57,750</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$57,750</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,200</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,197</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term End Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,200</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,197</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,017</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Performance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-15%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate (one year)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate Adjustment</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$5,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$2,750</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$0</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$0</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-$2,888</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$55,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$57,750</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$57,750</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$57,750</span></div></div></td> <td style="padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$54,862</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The following notes to the table above provide important calculations showing how certain values are determined. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Investment Amount at Term Start Date in year one is the $50,000 Purchase Payment. In years two through five, the Investment Amount at Term Start Date would be $55,000, $57,750, $57,750 and $57,750, respectively, which was the Investment Amount at Term End Date for the prior year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the Term Start Date to the Term End Date. For example, in year one, Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1,200 [Index Value at Term End Date] –1,000 [Index Value at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1,000 [Index Value at Term Start Date] = 20% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In year one, Index Performance exceeds the Cap Rate and therefore the Performance Rate is equal to the Cap Rate. In years two and three the Performance Rate is equal to the Index Performance because the Index Performance is not negative and does not exceed the Cap Rate. In year four the Performance Rate is 0% because the Index Performance is –5% and the Shield 10 absorbs up to 10% of the negative Index Performance. In year five, the Performance Rate is –5% because the Index Performance is –15% and the Shield 10 absorbs up to 10% of negative Index Performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Rate Adjustment is equal to the product of the Investment Amount at the Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) multiplied by the Performance Rate. For example, in year one the Performance Rate Adjustment is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] x 10% [Performance Rate] = $5,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at the Term End Date is equal to the Investment Amount at Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) plus the Performance Rate Adjustment. For example, in year one the Investment Amount at the Term End Date is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] + $5,000 [Performance Rate Adjustment] = $55,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">Example 1B—Shield Option with Step Rate: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Owner 1 allocates her $50,000 Purchase Payment into a 1-Year Term / Shield 10 / S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index with a Step Rate of 8% and lets it renew year after year for five years. The following example illustrates how her initial $50,000 Purchase Payment could perform over a five-year period given fluctuating Index Values. For renewals into the same Shield Option a new Step Rate would be declared and go into effect on the Contract Anniversary that coincides with the beginning of the new Shield Option. </span> <img alt=" " src="g46806graph21_1.jpg" style="height:211pt;width:361pt;"/><span style="color:#000000;float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-49pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:422pt;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Contract Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Start Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$54,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$58,320</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$62,986</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$62,986</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,050</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,134</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term End Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,050</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,134</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">964</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Performance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-15%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Step Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate (one year)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate Adjustment</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,320</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,666</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$0</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-$3,149</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$54,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$58,320</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$62,986</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$62,986</span></div></div></td> <td style="padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$59,837</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The following notes to the table above provide important calculations showing how certain values are determined. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at Term Start Date in year one is the $50,000 Purchase Payment. In years two through five, the Investment Amount at the Term Start Date would be $54,000, $58,320, $62,986 and $62,986, respectively, which was the Investment Amount at the Term End Date for the prior year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the Term Start Date to the Term End Date. For example, in year one, Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1,050 [Index Value at Term End Date] – 1,000 [Index Value at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1,000 [Index Value at Term Start Date]) = 5% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In years one, two and three the Performance Rate is equal to the Step Rate because the Index Performance is positive or zero. It should be noted that although Index Performance was 20% in year two, the Performance Rate is capped at 8% by the Step Rate. In year four the Performance Rate is 0% because the Index Performance is –10% and the Shield 10 absorbs up to 10% of the negative Index Performance. In year five, the Performance Rate is –5% because the Index Performance is –15% and the Shield 10 absorbs up to 10% of the negative Index Performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Rate Adjustment is equal to the product of the Investment Amount at the Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) multiplied by the Performance Rate. For example, in year one the Performance Rate Adjustment is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] x 8% [Performance Rate] = $4,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at the Term End Date is equal to the Investment Amount at Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) plus the Performance Rate Adjustment. For example, in year one the Investment Amount at the Term End Date is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] + $4,000 [Performance Rate Adjustment] = $54,000</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">Example 1C—Shield Option with Step Rate Edge: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Owner 1 allocates her $50,000 Purchase Payment into a 1-Year Term / Shield 10 / S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index with an Edge Rate of 7% and lets it renew year after year for five years. The following example illustrates how her initial $50,000 Purchase Payment could perform over a five-year period given fluctuating Index Values. For renewals into the same Shield Option a new Edge Rate would be declared and go into effect on the Contract Anniversary that coincides with the beginning of the new Shield Option. </span> <img alt=" " src="g46806g08y27_4.jpg" style="height:232pt;width:361pt;"/><span style="color:#000000;float:left;font-family:Arial Narrow;font-size:10pt;line-height:1pt;margin-left:-49pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:422pt;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Contract Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">3</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:51pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">5</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Start Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$53,500</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$57,245</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$61,252</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$65,540</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,000</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,050</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,134</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:422.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term End Date</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,050</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,260</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,134</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">964</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Performance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-15%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Edge Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate (one year)</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-5%</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Performance Rate Adjustment</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$3,500</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$3,745</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,007</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$4,288</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">-$3,277</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:167.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10.0pt;">Investment Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$53,500</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$57,245</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$61,252</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$65,540</span></div></div></td> <td style="padding-bottom:2.25pt;padding-top:2.125pt;vertical-align:Top;width:50.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$62,263</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">The following notes to the table above provide important calculations showing how certain values are determined. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at Term Start Date in year one is the $50,000 Purchase Payment. In years two through five, the Investment Amount at the Term Start Date would be $53,500, $57,245, $61,252 and $65,540, respectively, which was the Investment Amount at the Term End Date for the prior year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the Term Start Date to the Term End Date. For example, in year one, Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1,050 [Index Value at Term End Date] – 1,000 [Index Value at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1,000 [Index Value at Term Start Date]) = 5% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">In years one, two and three the Performance Rate is equal to the Edge Rate because the Index Performance is positive or zero. It should be noted that although Index Performance was 20% in year two, the Performance Rate is capped at 7% by the Edge Rate. In year four the Performance Rate is 7% because the Index Performance is –10% and does not exceed the Shield 10 which absorbs up to 10% of the negative Index Performance. In year five, the Performance Rate is –5% because the Index Performance is –15% and the Shield 10 absorbs up to 10% of the negative Index Performance. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Rate Adjustment is equal to the product of the Investment Amount at the Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) multiplied by the Performance Rate. For example, in year one the Performance Rate Adjustment is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] x 7% [Performance Rate] = $3,500 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Investment Amount at the Term End Date is equal to the Investment Amount at Term Start Date adjusted for any withdrawals (including RMDs, systematic withdrawals, and any applicable Withdrawal Charge) (there are no withdrawals in the example) plus the Performance Rate Adjustment. For example, in year one the Investment Amount at the Term End Date is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [Investment Amount at Term Start Date] + $3,500 [Performance Rate Adjustment] = $53,500</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Interim Value Calculation </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Your Investment Amount in each Shield Option on the Term End Date is calculated as described above under “Calculating </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">your Investment Amount on a Term End Date”. In setting the various rates we use in calculating the Investment Amount, we assume that you are going to hold a Shield Option until the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Nevertheless, you have the right under the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract to make withdrawals, Surrender the Contract, annuitize, and exercise Performance Lock before the Term End Date</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Therefore, we calculate an Interim Value on each Business Day between the Term Start Date and the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Between the Term Start Date and the Term End Date, we use the Interim Value to calculate the amount that is available </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">for (1) annuitization; (2) death benefits; (3) withdrawals (including RMDs and systematic withdrawals); (4) Surrenders; and (5) Performance Lock. The Interim Value is also used to determine how much the Investment Amount will be reduced by a withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may obtain your Interim Value on any Business Day by calling us at (888) 243-1932 or by accessing our </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">website at www.brighthousefinancial.com.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">However, Interim Values fluctuate daily, and the current value(s) quoted may differ from the actual value(s) calculated.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We calculate the Interim Value of each Shield Option on any Business Day other than the Term Start Date and Term End </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Date. If you request a full or partial withdrawal during a Term, the Withdrawal Amount will be deducted from the Interim Values of the Shield Options in which you are invested (unless you instruct us otherwise for a partial withdrawal). Withdrawals from the Shield Options during the Term will reduce the Interim Values of those Shield Options on a dollar-for-dollar basis by the portion of the Withdrawal Amount deducted from each Shield Option. We will pay you a net amount after adjustments for any Withdrawal Charge. The net amount payable to you is equal to the amount withdrawn (including any applicable Withdrawal Charge), less Premium Tax and other taxes, if any. (See “WITHDRAWAL PROVISIONS” for more information.) Once a Shield Option reaches the Term End Date, there is no Interim Value, and the Performance Rate will be applied to the Investment Amount based off the Rate Crediting Type and applicable Shield Rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you have not exercised the Performance Lock, the Interim Value is included in the Account Value to reflect the amount </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">in the applicable Shield Option prior to the Term End Date. If you exercise the Performance Lock for a Shield Option, the Performance Lock Value will be the Interim Value calculated at the end of the current Business Day on which you exercise the Performance Lock. See “PERFORMANCE LOCK” for more information. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Interim Value is a calculated value that reflects the value of each Shield Option taking into account the applicable </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Rate and Rate Crediting Type, current price of the underlying Index, the time remaining until the Term End Date, and the current value of the investments we have made to fund our obligations under the Shield Option. The Interim Value is an estimate of the current value of fixed income and derivative instruments we could purchase to assure our ability to meet our obligations to the Owner at a Term End Date. The Interim Value calculation is different than the calculation we use to calculate the Investment Amount for a Shield Option on the Term End Date. The Interim Value calculation is intended to protect the Company from losses on those fixed income and derivative instruments when amounts are withdrawn (or otherwise removed) from a Shield Option before the Term End Date. The Interim Value calculation transfers this risk from the Company to Contract Owners.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Interim Value assesses the fair value of the assets allocated to the Shield Option (Investment Amount) plus the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">current value of the portfolio of options utilized to replicate the performance of these Shield Options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Interim Value for a Shield Option is equal to the sum of (1) and (2), where: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;">  </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) Is the market value of the Fixed Income Asset Proxy on the Business Day the Interim Value is calculated. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;">  </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2) Is the current market value of the Derivative Asset Proxy. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">1. The Fixed Income Asset Proxy is meant to represent the market value of the fixed income assets supporting each </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Market Value Rate is the Constant Maturity Treasury (CMT) rate with a maturity equal to that of the Term. If a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">maturity of the CMT rate is not available that equals the Term, then the Market Value Rate will be linearly interpolated between the two closest available CMT maturities. The Market Value Rate will apply on a uniform basis for a class of Contract Owners in the same Shield Option and will be administered in a uniform and non-discriminatory manner. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">2. The Derivative Asset Proxy is meant to represent an estimation of the market value of the possibility of gain or loss on </span><span style="font-family:Arial Narrow;font-size:10pt;">the Term End Date. The value may be positive or negative. For each Shield Option, we solely designate and value options using the Black-Scholes Model, each of which is tied to the performance of the underlying Index associated with the Shield Option. We use derivatives to provide an estimate of the gain or loss on the Investment Amount allocated to the Shield Option that could occur on the Term End Date. This estimate also reflects the impact of the Shield Rate, Cap Rate, Step Rate, or Edge Rate, at the end of the Term as well as the estimated cost of exiting the replicating options prior to the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The valuation of the options is based on the Black-Scholes Model, which is one of the standard methods for valuing </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">derivatives based on inputs from third party vendors. The methodology used to value these options is determined solely by us and may vary, higher or lower, from other estimated valuations or the actual selling price of identical derivatives. Any variance between our estimated fair value price and other estimated or actual prices may be different from Shield Option type to Shield Option type and may also change from day to day.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There are many external factors that may impact the Interim Value including changes in the Indices, changes in the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">interest rate environment, and volatility.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">When we calculate the Interim Value, we will obtain market data for derivative pricing each Business Day from outside </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">vendors. If these values are available and we are delayed in receiving these values, and cannot calculate a new Interim Value, we will use the prior Business Day’s Interim Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Detailed information on the Interim Value calculation and examples can be found in the Statement of Additional </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Information (“SAI”) that accompanies this prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Interim Value calculated may be less than the Investment Amount at the time the Interim Value is calculated even if </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the current Index Value is higher than it was on the Term Start Date. Additionally, the Shield Rate and the Rate Crediting Type only apply to amounts held in the Shield Option until the Term End Date. This means that the Interim Value does not receive the protection from loss provided by the Shield Rate, or the application of the Rate Crediting Type. The Interim Value could be more or less than the amount you would receive had you held the investment until the Term End Date, after the Performance Rate Adjustment. As a result, there could be less money available under your Contract for withdrawals, Surrenders, death benefit payments, and annuitization. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A negative Interim Value could result in a loss beyond the protection of the Shield Rate. In </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">extreme circumstances, you could lose up to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">100</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">% of the value of the Shield Option if you exercise the Performance Lock, or if you make a withdrawal, Surrender, or otherwise remove amounts from the Shield Options before the Term End Date.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">If you have not exercised the Performance Lock, the withdrawal amount (including any applicable Withdrawal </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Charge) will reduce the Investment Amount for each Shield Option by the percentage reduction in the Interim Value of such Shield Option (i.e. a proportional reduction). Accordingly, when the Interim Value is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">less</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> than the Investment Amount, the reduction to the Shield Option is on a more than dollar for dollar basis. On the other hand, when the Interim Value is </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">greater</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> than the Investment Amount, the reduction to the Shield Option is on a less than dollar for dollar basis. The remaining Investment Amount after a withdrawal will be used as the new Investment Amount for the Term until the Term End Date or the next Interim Value calculation for that Shield Option. To see how a withdrawal impacts the Performance Lock Value, see “PERFORMANCE LOCK”. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Reductions to the Investment Amount will reduce the Interim Value for that Shield Option for the remainder of the Term, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">and, as a result, the positive interest, if any, credited to the remaining Investment Amount on the Term End Date will be less than if you had not taken a withdrawal.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawals and deductions from the Shield Options prior to the Term End Date, such as systematic withdrawals and RMDs, may have an adverse effect on the values and benefits under your Contract. If you intend to make such ongoing withdrawals, you should consult with a financial professional about whether this Contract is appropriate for you.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Nevertheless, you have the right under the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract to make withdrawals, Surrender the Contract, annuitize, and exercise Performance Lock before the Term End Date</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">You may obtain your Interim Value on any Business Day by calling us at (888) 243-1932 or by accessing our </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">website at www.brighthousefinancial.com.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">However, Interim Values fluctuate daily, and the current value(s) quoted may differ from the actual value(s) calculated.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We calculate the Interim Value of each Shield Option on any Business Day other than the Term Start Date and Term End </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Date. If you request a full or partial withdrawal during a Term, the Withdrawal Amount will be deducted from the Interim Values of the Shield Options in which you are invested (unless you instruct us otherwise for a partial withdrawal). Withdrawals from the Shield Options during the Term will reduce the Interim Values of those Shield Options on a dollar-for-dollar basis by the portion of the Withdrawal Amount deducted from each Shield Option. We will pay you a net amount after adjustments for any Withdrawal Charge. The net amount payable to you is equal to the amount withdrawn (including any applicable Withdrawal Charge), less Premium Tax and other taxes, if any. (See “WITHDRAWAL PROVISIONS” for more information.) Once a Shield Option reaches the Term End Date, there is no Interim Value, and the Performance Rate will be applied to the Investment Amount based off the Rate Crediting Type and applicable Shield Rate.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Interim Value is a calculated value that reflects the value of each Shield Option taking into account the applicable </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Rate and Rate Crediting Type, current price of the underlying Index, the time remaining until the Term End Date, and the current value of the investments we have made to fund our obligations under the Shield Option. The Interim Value is an estimate of the current value of fixed income and derivative instruments we could purchase to assure our ability to meet our obligations to the Owner at a Term End Date. The Interim Value calculation is different than the calculation we use to calculate the Investment Amount for a Shield Option on the Term End Date. The Interim Value calculation is intended to protect the Company from losses on those fixed income and derivative instruments when amounts are withdrawn (or otherwise removed) from a Shield Option before the Term End Date. The Interim Value calculation transfers this risk from the Company to Contract Owners.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Interim Value assesses the fair value of the assets allocated to the Shield Option (Investment Amount) plus the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">current value of the portfolio of options utilized to replicate the performance of these Shield Options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Interim Value for a Shield Option is equal to the sum of (1) and (2), where: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;">  </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1) Is the market value of the Fixed Income Asset Proxy on the Business Day the Interim Value is calculated. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;">  </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2) Is the current market value of the Derivative Asset Proxy. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">1. The Fixed Income Asset Proxy is meant to represent the market value of the fixed income assets supporting each </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield Option. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Market Value Rate is the Constant Maturity Treasury (CMT) rate with a maturity equal to that of the Term. If a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">maturity of the CMT rate is not available that equals the Term, then the Market Value Rate will be linearly interpolated between the two closest available CMT maturities. The Market Value Rate will apply on a uniform basis for a class of Contract Owners in the same Shield Option and will be administered in a uniform and non-discriminatory manner. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">2. The Derivative Asset Proxy is meant to represent an estimation of the market value of the possibility of gain or loss on </span><span style="font-family:Arial Narrow;font-size:10pt;">the Term End Date. The value may be positive or negative. For each Shield Option, we solely designate and value options using the Black-Scholes Model, each of which is tied to the performance of the underlying Index associated with the Shield Option. We use derivatives to provide an estimate of the gain or loss on the Investment Amount allocated to the Shield Option that could occur on the Term End Date. This estimate also reflects the impact of the Shield Rate, Cap Rate, Step Rate, or Edge Rate, at the end of the Term as well as the estimated cost of exiting the replicating options prior to the Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The valuation of the options is based on the Black-Scholes Model, which is one of the standard methods for valuing </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">derivatives based on inputs from third party vendors. The methodology used to value these options is determined solely by us and may vary, higher or lower, from other estimated valuations or the actual selling price of identical derivatives. Any variance between our estimated fair value price and other estimated or actual prices may be different from Shield Option type to Shield Option type and may also change from day to day.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There are many external factors that may impact the Interim Value including changes in the Indices, changes in the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">interest rate environment, and volatility.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A negative Interim Value could result in a loss beyond the protection of the Shield Rate. In </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">extreme circumstances, you could lose up to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">100</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">% of the value of the Shield Option if you exercise the Performance Lock, or if you make a withdrawal, Surrender, or otherwise remove amounts from the Shield Options before the Term End Date.</span> 1 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Reductions to the Investment Amount will reduce the Interim Value for that Shield Option for the remainder of the Term, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">and, as a result, the positive interest, if any, credited to the remaining Investment Amount on the Term End Date will be less than if you had not taken a withdrawal.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> For tax purposes, earnings from Non-Qualified Contracts are generally considered to come out first. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">When No Withdrawal Charge Applies </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In some cases we will not charge you the Withdrawal Charge when you make a withdrawal. We may, however, ask you </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">to prove that you meet any of the following conditions: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(i)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Maturity of the Contract; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(ii)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Payment of the death benefit; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(iii)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Application of your Account Value to an Annuity Option; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(iv)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the withdrawal is to avoid required Federal income tax penalties or to satisfy Federal income tax rules </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">concerning minimum distribution requirements that apply to your Contract, except for RMDs on a decedent Roth IRA. For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.00%;">purposes of this exception, we assume that the Contract is the only contract or funding vehicle from which distributions </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">are required to be taken and we will ignore all other Account Values; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(v)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If you properly “recharacterize” as permitted under Federal tax law your Traditional IRA Contract or Roth IRA </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contract issued by us; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(vi)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If we agree in writing that none will apply. For example, if you transfer your Account Value to another approved </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">annuity contract issued by us or one of our affiliates; </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(vii)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Withdrawals pursuant to either the Nursing Home Exception or the Terminal Illness Exception (see below); or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(viii)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Withdrawals up to the Free Withdrawal Amount. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Nursing Home Exception/Terminal Illness Exception.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> After the first Contract Year, a Withdrawal Charge which would otherwise apply to a withdrawal will be waived, if you, or your Joint Owner:</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(Nursing Home Exception) Has been a resident of certain nursing home facilities or a hospital for a minimum of 90 consecutive days or for a minimum total of 90 days where there is no more than a 6-month break in that residency and the residencies are for related causes, where you have exercised this right no later than 90 days after exiting the nursing home facility or hospital. The confinement must be prescribed by a physician and be medically necessary;  or</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">•</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(Terminal Illness Exception) Is diagnosed with a terminal illness and not expected to live more than 12 months (a physician certifies to your illness and life expectancy) and you were not diagnosed with the terminal illness as of the date we issued your Contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">These Contract features are only available if you are less than 81 years old on the Issue Date of your Contract and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">terminate on the Annuity Date. These Contract features are free of charge. Additional conditions and requirements apply and are specified in the rider(s) that are part of your Contract. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Free Withdrawal Amount.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> After the first Contract Year, you may withdraw a portion of your Account Value free from any Withdrawal Charge. The Free Withdrawal Amount each Contract Year is equal to 10% of your Account Value as of the prior Contract Anniversary, less the total amount withdrawn from the Account Value in the current Contract Year. The Free Withdrawal Amount is non-cumulative and is not carried over to other Contract Years.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Performance Lock </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">With the Performance Lock, once during each Term you may elect to lock the Interim Value by providing Notice of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">election to the Annuity Service Office, using one of the methods identified in “REQUESTS AND ELECTIONS.” You may want to consult with your financial professional before exercising the Performance Lock. If you lock the Interim Value of a Shield Option (the “Performance Lock Value”), this means that under no circumstances will the Performance Lock Value increase or decrease during the remainder of the Term unless a withdrawal is taken. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Performance Lock may be requested on any Business Day prior to the Term End Date. We use the Interim Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">calculated at the end of the current Business Day on which you exercise the Performance Lock to determine the Performance Lock Value. This means you will not be able to determine in advance the Performance Lock Value, and it may be higher or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">lower than it was at the point in time you requested the Performance Lock. If the Performance Lock is exercised when the Interim Value is less than the Investment Amount, you will lock in any loss, which could be below the Shield Rate. You may obtain your Interim Value on any Business Day by calling us at (888) 243-1932 or by accessing our website at www.brighthousefinancial.com</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">. However, Interim Values fluctuate daily, and the current value(s) quoted may differ from the actual value(s) calculated at the time the Performance Lock is exercised. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If we receive your Notice of election on a day that is not a Business Day, or after 4 PM Eastern Standard Time on a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Business Day, the Notice of election will be deemed to have been received on the next Business Day. If multiple Notices of election are submitted during a Business Day, the last Notice received prior to 4 PM Eastern Standard Time or the close of the NYSE, whichever is earlier will be utilized. If the Performance Lock takes effect, subsequent Notices of election will be disregarded. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Once the Performance Lock is exercised for a Shield Option, it is irrevocable for the remainder of that Term. The </span><span style="font-family:Arial Narrow;font-size:10pt;">Performance Lock Value will be used as the value of that Shield Option for the remainder of the Term. This means, you will no longer participate in the Index Performance for the current Term and you may receive less than the full Cap Rate, Step Rate, or Edge Rate or less than the full protection of the Shield Rate, than you would have received if you waited for us to apply the Performance Rate Adjustment on the Term End Date. It is possible that you would have realized less of a loss or more of a gain if the Performance Lock occurred at a later time, or if the Shield Option was not locked. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Only one Performance Lock can occur for any given Shield Option during a Term. The Performance Lock cannot be </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">applied retroactively and must be for the full amount of the Interim Value at the end of the Business Day that we receive your request. Performance Lock requests for any amount other than the Interim Value are not permitted. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Once a Shield Option is locked, the Performance Lock Value will not change for the rest of the Term, except that the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Performance Lock Value will reflect any subsequent withdrawals that occur during the remainder of the Term. Withdrawals will reduce the Performance Lock Value by the dollar amount of the withdrawal. The amount in the Shield Option that is available before the Term End Date for annuitization, death benefits, withdrawals, and Surrenders will be the Performance Lock Value. The Performance Lock Value (reduced for any withdrawals from the locked value) is also the amount that is available for reallocation or transfer for a new Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Upon executing the Performance Lock, the Performance Lock Value will remain in the Shield Option and you have the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">option of (1) transferring the entire Performance Lock Value to any available Shield Option or to the Fixed Account on any Contract Anniversary occurring prior to the Term End Date or (2) remaining in your current Shield Option until the Term End Date and either (i) transferring all or a portion of the Performance Lock Value to a new Shield Option or to the Fixed Account (if available) or (ii) renewing all or a portion into the same Shield Option (if available) for a new Term. See “Transfers” above for additional information. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There may not be an optimal time to exercise the Performance Lock on a Shield Option. We will not advise you as to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">whether you should or should not exercise the Performance Lock, or the optimal time for doing so. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We reserve the right to limit the use of the Performance Lock feature for certain Shield Options. Additionally, we may </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">discontinue the use of this feature for future Performance Lock requests at any time.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We currently offer the Performance Lock with all Shield Options. </span><span style="font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Example 4—Calculating the Performance Lock Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Examples </span><span style="font-family:Arial Narrow;font-size:10pt;">4A and 4B are intended to show how the Performance Lock works. The examples assume a $100,000 Purchase Payment allocation to a 1-Year Term / Shield 10 / S&amp;P 500</span><span style="font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial Narrow;font-size:10pt;"> Index with a Cap Rate of 10% and no Shield Option Fee. Example 4A illustrates the Performance Lock by locking in the Interim Value on the Business Day you request to exercise the Performance Lock, which in this example occurs halfway in the 1-Year Term. Example 4B illustrates the Performance Lock by calculating the remaining Performance Lock Value after a subsequent $50,000 withdrawal (including Withdrawal Charges) is taken halfway through the 1-Year Term. </span><span style="font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">Example 4A—Locking in an Interim Value (no withdrawals):</span><span style="font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:16.5pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:459.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Start Date</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Investment Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 10</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,000</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:459.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Interim Value Calculation Halfway Through Term</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,200</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Performance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">20%</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Time Remaining in Shield Option (in months)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Market Value Rate on calculation date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3%</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Market value of Fixed Income Asset Proxy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$98,904.80</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Market value of Derivative Asset Proxy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$8,124.74</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Interim Value of Shield Option</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$107,029.53</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10.0pt;">Performance Lock Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$107,029.53</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">The following notes to the table above provide important calculations showing how certain values are determined. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the Term Start Date to the date of the Interim Value calculation. Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1,200 [Index Value on date of the Interim Value calculation] – 1,000 [Index Value at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1,000 [Index Value at Term Start Date] = 20% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Interim Value is equal to the sum of the market value of the Fixed Income Asset Proxy and the Derivative Asset Proxy. This is the amount in the Shield Option selected that would be available if you annuitize, die, make a withdrawal or Surrender your Contract on that date. The Interim Value is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$98,904.80 [Market value of Fixed Income Asset Proxy] + $8,124.74 [Market value of Derivative Asset Proxy]</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">= $107,029.53 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Lock Value is equal to the Interim Value of the Shield Option(s) at the end of the Business Day that you exercise Performance Lock, reduced by the dollar amount of any subsequent withdrawals (including any applicable Withdrawal Charge). </span><span style="font-family:Arial Narrow;font-size:10pt;text-decoration:underline;">Example 4B—The Performance Lock Value After Withdrawal (including Withdrawal Charges):</span><span style="font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:16.5pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:459.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Term Start Date</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Investment Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Shield Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Shield 10</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Cap Rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10%</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,000</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:459.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Interim Value Calculation Halfway Through Term</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1,200</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Index Performance</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">20%</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Time Remaining in Shield Option (in months)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Market Value Rate on calculation date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3%</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Market value of Fixed Income Asset Proxy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$98,904.80</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Market value of Derivative Asset Proxy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$8,124.74</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Time Remaining in Shield Option (in months)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Interim Value of Shield Option on day you exercise Performance Lock</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$107,029.53</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Gross Withdrawal Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Free Withdrawal Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$10,000</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Withdrawal Charge Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$2,800</span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">Net Proceeds from Withdrawal paid to Contract Owner</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$47,200</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:357.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10.0pt;">Performance Lock Value after Withdrawal</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$57,029.53</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;">The following notes to the table above provide important calculations showing how certain values are determined. </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index Performance is equal to the percentage change in the Index Value measured from the Term Start Date to the date of the Interim Value calculation. Index Performance is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1,200 [Index Value on the date of the Interim Value calculation] – 1,000 [Index Value at Term Start Date])</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">÷ 1,000 [Index Value at Term Start Date] = 20% </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Interim Value is equal to the sum of the market value of the Fixed Income Asset Proxy and the Derivative Asset Proxy. This is the amount in the Shield Option selected that would be available if you annuitize, die, make a withdrawal or Surrender your Contract on that date. The Interim Value is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$98,904.80 [Market value of Fixed Income Asset Proxy] + $8,124.74 [Market value of Derivative Asset Proxy]</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">= $107,029.53 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Free Withdrawal Amount is the value as of the most recent Contract Anniversary multiplied by the Free Withdrawal Amount Percentage. The Free Withdrawal Amount is amount is calculated as follows: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000 [value as of most recent Contract Anniversary] x 10% [Free Withdrawal Amount Percentage] = $10,000 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Withdrawal Charge Amount is the gross withdrawal amount minus the Free Withdrawal Amount multiplied by the Withdrawal Charge. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">($50,000 [gross withdrawal amount] – $10,000 [Free Withdrawal Amount]) x 7% [Withdrawal Charge] = $2,800 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The net amount payable to the Contract Owner is equal to: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$50,000 [the amount withdrawn] – $2,800 [Withdrawal Charges] = $47,200 </span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Performance Lock Value is equal to the Interim Value of the Shield Option(s) at the end of the Business Day that you exercise Performance Lock, reduced by the dollar amount of the withdrawal. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$107,029.53 [Performance Lock Value before Withdrawal] – $50,000 [Gross Withdrawal Amount]</span> <br/><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">= $57,029.53 [Performance Lock Value after Withdrawal]</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">BENEFITS AVAILABLE UNDER THE CONTRACT </span><span style="font-family:Arial Narrow;font-size:10pt;">The following table summarizes information about the standard benefits available under the Contract. The availability of Contract benefits may vary depending on the selling firm through which your Contract is sold. See Appendix G – Financial Intermediary Variations.</span><span style="font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:26.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:178pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account Value </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(Standard Death </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Pays a death benefit equal to the </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Owners aged 81 or older </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">on the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date of your </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Account Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may reflect an </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Interim Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> calculation for </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options, which may </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be less than the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals will reduce the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">death benefit, perhaps </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">significantly, and such </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">reductions could be greater </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">than the amount withdrawn.</span></div></div></td></tr> <tr style="height:178pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Return of </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Death </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(Standard Death </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Pays a death benefit equal to the </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater of your Account Value or </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Purchase Payment (adjusted </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">for any withdrawals, including </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal Charges)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Owners aged 80 or </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">younger on the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date of </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Account Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may reflect an </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Interim Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> calculation for </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options, which may </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be less than the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals will reduce the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">death benefit, perhaps </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">significantly, and such </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">reductions could be greater </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">than the amount withdrawn.</span></div></div></td></tr> <tr style="height:211.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows automated processing of </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">amounts withdrawn from your </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Available in any </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">for RMD amounts withdrawn </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">from an IRA </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract or </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">qualified annuity </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Available after the first </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract Year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and for up to10% </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value as of the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prior </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Anniversary for </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">automated processing of </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amounts withdrawn for </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purposes other than RMDs.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Each payment must be at least </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">$100.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">A minimum of $500 must be </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">distributed each </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals may only be on a </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">monthly, quarterly, </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">semi-annual, or annual basis. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:26.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:153.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free Withdrawal </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Amount</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a portion of your </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value that may be </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawn each Contract Year </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">without incurring Withdrawal </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charges</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Free </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Withdrawal Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may be </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">subject to taxes and tax </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">penalties.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals from the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Options</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> during a Term will be </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">based on </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Interim Values.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Any unused portion of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Free </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Withdrawal Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may not </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be carried over to the next </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract Year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:26.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:551.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lock</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">By providing Notice to us, allows </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you to lock the Interim Value of a </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option once during the </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">May be requested on any </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Business Day</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> prior to the Term </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">End Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">We use the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Interim Value </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">calculated at the end of the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Business Day on which </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">you exercise the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Lock</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> to determine the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Performance Lock Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:14pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">You will not be able to </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">determine in advance the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Performance Lock Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and it </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">may be higher or lower than it </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">was at the point in time you </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">requested the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Lock</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">You may lock in a loss.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock Value </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Will not participate in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">performance (positive or </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">negative) for the remainder of </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term, including the Term </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">End Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Shield Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and Cap Rate, Step </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, or Edge Rate will not </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">apply on the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">after a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock is </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">exercised.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Must be exercised for the full </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amount of the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Interim Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">May be exercised once per </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> for each Shield Option.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Once the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock is </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">exercised for a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option, it </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">is irrevocable for the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">remainder of that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Upon exercising, you can </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">transfer the entire </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Performance Lock Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> to any </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">available </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option or to </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account on any </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract Anniversary</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> occurring </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prior to the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:26.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:178pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account Value </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(Standard Death </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Pays a death benefit equal to the </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Owners aged 81 or older </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">on the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date of your </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Account Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may reflect an </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Interim Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> calculation for </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options, which may </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be less than the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals will reduce the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">death benefit, perhaps </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">significantly, and such </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">reductions could be greater </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">than the amount withdrawn.</span></div></div></td></tr> <tr style="height:178pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Return of </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Death </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(Standard Death </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Pays a death benefit equal to the </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater of your Account Value or </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Purchase Payment (adjusted </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">for any withdrawals, including </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal Charges)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Owners aged 80 or </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">younger on the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date of </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Account Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may reflect an </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Interim Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> calculation for </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options, which may </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be less than the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals will reduce the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">death benefit, perhaps </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">significantly, and such </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">reductions could be greater </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">than the amount withdrawn.</span></div></div></td></tr> <tr style="height:211.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows automated processing of </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">amounts withdrawn from your </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Available in any </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">for RMD amounts withdrawn </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">from an IRA </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract or </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">qualified annuity </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Available after the first </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract Year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and for up to10% </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value as of the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prior </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Anniversary for </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">automated processing of </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amounts withdrawn for </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purposes other than RMDs.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Each payment must be at least </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">$100.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">A minimum of $500 must be </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">distributed each </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals may only be on a </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">monthly, quarterly, </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">semi-annual, or annual basis. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:26.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:153.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free Withdrawal </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Amount</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a portion of your </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value that may be </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawn each Contract Year </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">without incurring Withdrawal </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charges</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Free </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Withdrawal Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may be </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">subject to taxes and tax </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">penalties.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals from the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Options</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> during a Term will be </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">based on </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Interim Values.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Any unused portion of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Free </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Withdrawal Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may not </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be carried over to the next </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract Year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:26.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:128.67pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:129.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:551.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:3pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lock</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">By providing Notice to us, allows </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you to lock the Interim Value of a </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option once during the </span></div> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:128.67pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:129.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">May be requested on any </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Business Day</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> prior to the Term </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">End Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">We use the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Interim Value </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">calculated at the end of the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Business Day on which </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">you exercise the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Lock</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> to determine the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Performance Lock Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:14pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">You will not be able to </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">determine in advance the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Performance Lock Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and it </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">may be higher or lower than it </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">was at the point in time you </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">requested the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Lock</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">You may lock in a loss.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock Value </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Will not participate in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">performance (positive or </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">negative) for the remainder of </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term, including the Term </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">End Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Shield Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and Cap Rate, Step </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, or Edge Rate will not </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">apply on the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">after a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock is </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">exercised.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Must be exercised for the full </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amount of the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Interim Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">May be exercised once per </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> for each Shield Option.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Once the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock is </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">exercised for a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option, it </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">is irrevocable for the </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">remainder of that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term.</span></div></div> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Upon exercising, you can </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">transfer the entire </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Performance Lock Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> to any </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">available </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option or to </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account on any </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract Anniversary</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> occurring </span></div> <div style="margin-left:2.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prior to the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Account Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(Standard Death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit)</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Pays a death benefit equal to the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Owners aged 81 or older </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">on the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date of your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Account Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may reflect an </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Interim Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> calculation for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options, which may </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be less than the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals will reduce the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">death benefit, perhaps </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">significantly, and such </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">reductions could be greater </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">than the amount withdrawn.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Return of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(Standard Death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit)</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Pays a death benefit equal to the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">greater of your Account Value or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">your Purchase Payment (adjusted </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">for any withdrawals, including </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal Charges)</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">For </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Owners aged 80 or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">younger on the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Account Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may reflect an </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Interim Value</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> calculation for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Options, which may </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be less than the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals will reduce the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">death benefit, perhaps </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">significantly, and such </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">reductions could be greater </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">than the amount withdrawn.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Systematic </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows automated processing of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">amounts withdrawn from your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Available in any </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">for RMD amounts withdrawn </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">from an IRA </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">qualified annuity </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Available after the first </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract Year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and for up to10% </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">of your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value as of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prior </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Anniversary for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">automated processing of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amounts withdrawn for </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">purposes other than RMDs.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Each payment must be at least </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">$100.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">A minimum of $500 must be </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">distributed each </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals may only be on a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">monthly, quarterly, </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">semi-annual, or annual basis. </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free Withdrawal </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Amount</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a portion of your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value that may be </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawn each Contract Year </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">without incurring Withdrawal </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charges</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Free </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Withdrawal Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may be </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">subject to taxes and tax </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">penalties.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Withdrawals from the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Options</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> during a Term will be </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">based on </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Interim Values.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Any unused portion of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Free </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Withdrawal Amount</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> may not </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">be carried over to the next </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract Year</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. </span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lock</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">By providing Notice to us, allows </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you to lock the Interim Value of a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option once during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Only available during the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Accumulation Period</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">May be requested on any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Business Day</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> prior to the Term </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">End Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">We use the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Interim Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">calculated at the end of the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">current </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Business Day on which </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">you exercise the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Lock</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> to determine the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Performance Lock Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">You will not be able to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">determine in advance the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Performance Lock Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and it </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">may be higher or lower than it </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">was at the point in time you </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">requested the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Lock</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">You may lock in a loss.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">The </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock Value </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Will not participate in </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">performance (positive or </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">negative) for the remainder of </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term, including the Term </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">End Date</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Shield Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> and Cap Rate, Step </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Rate</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, or Edge Rate will not </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">apply on the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">after a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock is </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">exercised.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Must be exercised for the full </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">amount of the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Interim Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">May be exercised once per </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Term</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> for each Shield Option.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Once the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock is </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">exercised for a </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option, it </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">is irrevocable for the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">remainder of that </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term.</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:1.90pt;">Upon exercising, you can </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">transfer the entire </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Performance Lock Value</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> to any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">available </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Shield Option or to </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed Account on any </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">Contract Anniversary</span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> occurring </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:9.00pt;">prior to the </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Standard Death Benefit </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you are age 81 or older at the Issue Date of your Contract, the standard death benefit is the Account Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If you are age 80 or younger at the Issue Date of your Contract, the standard death benefit will be the Return of Premium </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">death benefit which is the greater of: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">your Account Value (which may be based on the Interim Values of the Shield Options); or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">your Purchase Payment, reduced proportionally by the percentage reduction in Account Value of the Shield </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Option(s), the Fixed Account, and the Holding Account for each partial withdrawal (including any applicable Withdrawal </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Charge). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If a non-natural person owns the Contract, then the Annuitant will be deemed to be the Owner for purposes of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">determining the Death Benefit Amount. If Joint Owners are named, the age of the oldest Joint Owner will be used to determine the Death Benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If the Owner is a natural person and the Owner is changed to someone other than a spouse, the Death Benefit Amount </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">will be determined as defined above; however, for the Return of Premium death benefit, subsection (2) will be changed to provide as follows: “the Account Value as of the effective date of the change of Owner, reduced proportionally by the percentage reduction in Account Value of the Shield Option(s), the Fixed Account, and the Holding Account for each partial withdrawal (including any applicable Withdrawal Charge) made after such date.” </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In the event that a Beneficiary who is the spouse of the Owner elects to continue the Contract in his or her name after </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the Owner dies, the Death Benefit Amount for the Return of Premium death benefit, will be determined in accordance with (1) or (2) above. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Death Benefit Amount cannot be withdrawn as a lump sum prior to the death of the Owner (or Annuitant where the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Owner is a non-natural person). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The current Death Benefit Amount will appear on any reports that are sent to you. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The death benefit terminates (a) upon termination of the Contract; (b) when the entire Account Value is applied to an </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Annuity Option; or (c) when the Account Value is reduced to zero. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">See Appendix D for examples of the Return of Premium death benefit.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">General Death Benefit Provisions </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If the Beneficiary under a Qualified Contract is the Annuitant’s spouse, the tax law generally allows distributions to begin </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">by the year in which the Annuitant would have been required to begin taking distributions (which may be more or less than ten years after the Annuitant’s death). (See “FEDERAL TAX CONSIDERATIONS” for a discussion of the tax law requirements applicable to distributions from Qualified Contracts). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Death Benefit Amount is determined as of the end of the Business Day on which we receive both due proof of death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">and an acceptable election for the payment method. Where there are multiple Beneficiaries, the death benefit will be determined as of the time the first Beneficiary submits the necessary documentation in Good Order. The Death Benefit Amount remains in the Contract until each of the other Beneficiaries submits the necessary documentation in Good Order to claim his/her death benefit. Any Death Benefit Amounts held in the Contract on behalf of the remaining Beneficiaries will remain in the existing Shield Options and/or the Fixed Account and are subject to fluctuation in value. This risk is borne by the Beneficiaries. There is no additional death benefit guarantee. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For the Return of Premium death benefit, if the Beneficiary chooses to continue the Contract, any excess of the Death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Benefit Amount over the Account Value will be allocated to the Fixed Account. If the Fixed Account is not available, any excess amount of the Death Benefit Amount over the Account Value will be allocated into the Holding Account, unless otherwise instructed by the Beneficiary. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Upon the death of either Owner, the surviving Joint Owner will be the primary Beneficiary. Any other Beneficiary </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">designation will be treated as a contingent Beneficiary, unless instructed otherwise. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If we are presented with Notice of your death before any requested transaction is completed, we will cancel the request. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">As described above, the death benefit will be determined when we receive both due proof of death and an election for the payment method. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We will pay interest on any delayed death benefit payments in accordance with the laws and regulations in effect under </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">the applicable state law. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Controlled Payout </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">You may elect to have the death benefit proceeds paid to your Beneficiary in the form of Annuity Payments for life or over </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">a period of time that does not exceed your Beneficiary’s life expectancy, subject to applicable tax law requirements. This election must be in writing in a form acceptable to us. You may revoke the election only in writing and only in a form acceptable to us. Upon your death, the Beneficiary cannot revoke or modify your election. The Controlled Payout is only available to Non-Qualified Contracts. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death of Owner During the Accumulation Period </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The death benefit will be paid to your Beneficiary(ies) upon your death, or the first death of a Joint Owner. If the Contract </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is owned by a non-natural person, the Annuitant will be deemed the Owner in determining the death benefit. If there are Joint Owners, the age of the older Owner will be used to determine the death benefit. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death of Annuitant During the Accumulation Period </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Upon the death of an Annuitant, who is not the Owner or Joint Owner, the Owner (or Oldest Joint Owner) automatically </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">becomes the Annuitant, unless the Owner, subject to our underwriting requirements in effect at the time of the request, chooses a new Annuitant. If the Owner is a non-natural person, the death of the Annuitant will be treated as the death of an Owner, and a new Annuitant may not be named. (See “Death of Owner During the Accumulation Period” above). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Benefit Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">In the event an Owner (or the Annuitant, where the Owner is not a natural person) dies during the Accumulation Period, a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Beneficiary must choose payment of the death benefit under one of the options below (unless the Owner has previously made the election or due to the requirements of the Code). The death benefit options available under the Contract include the following and any other options acceptable to you and us: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Option 1—lump sum payment in cash; or </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Option 2—payment of death benefit under an Annuity Option or other periodic payment option acceptable to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">us (if permitted by the Code) in substantially equal periodic payments (made at least annually) over the lifetime of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Beneficiary or over a period not extending beyond the life expectancy of the Beneficiary with distribution beginning </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">within one (1) year of the date of death of the Owner or the first Joint Owner to die. Any portion of the death benefit not applied within one (1) year of the date of the Owner’s or Joint Owner’s death must be distributed within five (5) years of the date of death. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For Non-Qualified Contracts, payment must begin within one year of the date of death. For Qualified Contracts, payment </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">must begin no later than the end of the calendar year immediately following the year of death. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We may also offer a payment option, for both Non-Qualified Contracts and certain Qualified Contracts, under which your </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Beneficiary may receive payments, over a period not extending beyond his or her life expectancy, under a method of distribution similar to the distribution of RMDs that are taken as withdrawals from Individual Retirement Accounts. Such payment option may be limited to certain categories of beneficiaries. If this option is elected, we will issue a new contract to your Beneficiary in order to facilitate the distribution of payments. Upon the death of your Beneficiary, the death benefit would be required to be distributed in accordance with applicable tax law requirements. In some cases, this will require that the proceeds be distributed more rapidly than the method of distribution in effect at the time of your Beneficiary’s death. (See “FEDERAL TAX CONSIDERATIONS.”) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">If a lump sum payment is elected and all the necessary requirements are met, the payment will be made within seven </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(7) days. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">All options must comply with applicable federal income tax rules. The tax rules are complex and differ for Non-Qualified </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Contracts and Qualified Contracts. As a general matter, the entire death benefit must be paid within five (5) years (or in some cases 10 years for Qualified Contracts) of the Owner’s date of death unless an exception applies. You should consult your tax adviser about the tax rules applicable to your situation. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:4.36%;">Beneficiary Continuation Options.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">We offer two types of Beneficiary Continuation Options during the Accumulation Period: the Spousal Continuation and Non-Spousal Beneficiary Continuation Options described below. We must receive Notice of the election of one of these Beneficiary Continuation Options by the end of the 90th day after we receive Notice of due proof of death. If the surviving spouse qualifies for Spousal Continuation and has not chosen one of the death benefit options above by the end of the 90 day period, the Spousal Continuation Option will be automatically applied on the 90th day. If a Non-Spousal Beneficiary qualifies for Non-Spousal Beneficiary Continuation and has not chosen one of the death benefit options above by the end of the 90 day period, the Non-Spousal Beneficiary Continuation Option will be automatically applied on the 90th day. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Spousal Continuation. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">If the Owner dies during the Accumulation Period, the spouse may choose to continue the Contract in his or her own name, to the extent permitted by law, and exercise all of the Owner’s rights under the Contract. Upon such election the Account Value will be adjusted to an amount equal to the Death Benefit Amount determined upon such election and receipt of due proof of death of the Owner. Any excess of the Death Benefit Amount over the Account Value will be allocated to the Fixed Account. If the Fixed Account is not available, any excess amount of the Death Benefit Amount over the Account Value will be allocated into the Holding Account, unless otherwise elected by the spouse. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Spousal continuation will not satisfy minimum required distribution rules for Qualified Contracts other than IRAs. (See </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">“FEDERAL TAX CONSIDERATIONS.”) </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Non-Spousal Beneficiary Continuation. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A Beneficiary who is not a spouse generally can choose to continue a Non-Qualified Contract until the fifth anniversary of the Owner’s death, and a Qualified Contract generally until the tenth anniversary of the Owner’s death. The Contract can be continued by a Beneficiary only if his or her share of the death benefit is at least equal to the Minimum Account Value. If the Beneficiary continues the Contract under this provision his or her share will not be paid. It will instead be continued in the Contract on the date we determine the Death Benefit Amount. Such Beneficiary will have the right to make partial and full withdrawals of his/her share of the Contract, not subject to Withdrawal Charges. Such Beneficiary will also have the right to make transfers at the Term End Date or the Fixed Account Term End Date. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">During the continuation period the Beneficiary can choose to receive his/her share of the Contract in a single lump sum </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">payment or, to the extent permitted by the Code, apply it to an Annuity Option or other option acceptable to us that must be payable for the life of the Beneficiary or for a term no longer than the life expectancy of the Beneficiary starting within one (1) year after the death of the Owner. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">On the fifth anniversary of the death of a Non-Qualified Contract Owner, (or generally the tenth anniversary of the death </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">of a Qualified Contract Owner), any Beneficiary will be paid his/her share of the Account Value that has not been applied to an Annuity Option or other settlement option permissible under the Code, in a single lump sum payment and the Contract will terminate. </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">THE FIXED ACCOUNT </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We may offer our Fixed Account as a funding option. The </span><span style="font-family:Arial Narrow;font-size:10pt;">Fixed Account</span><span style="font-family:Arial Narrow;font-size:10pt;">, if available, guarantees principal and interest </span><span style="font-family:Arial Narrow;font-size:10pt;">during the Fixed Account Term (which will not be less than one (1) year). </span><span style="font-family:Arial Narrow;font-size:10pt;">Interest will be compounded and credited daily to the </span><span style="font-family:Arial Narrow;font-size:10pt;">Fixed Account Value during the Fixed Account Term at an annual effective interest rate declared by us. We guarantee that the annual effective interest rate credited to your Fixed Account Value will not be less than the current Minimum Guaranteed Interest Rate, which will not be less than</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">1</span><span style="font-family:Arial Narrow;font-size:10pt;">%. Information about the features of the Fixed Account, including (i) its name, (ii) its </span><span style="font-family:Arial Narrow;font-size:10pt;">Fixed Account Term, and (iii) its Minimum Guaranteed Interest Rate, is available in an appendix to this prospectus. See Appendix A – Investment Options Available Under the Contract.</span><span style="font-family:Arial Narrow;font-size:10pt;"> Please also refer to your Contract and Appendix E for more </span><span style="font-family:Arial Narrow;font-size:10pt;">information. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We will declare a new guaranteed interest rate for each subsequent Fixed Account Term, subject to the Minimum </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed Interest Rate. At the Fixed Account Term End Date, the Fixed Account Value will automatically be renewed into the same Fixed Account Term, with the new interest rate, unless otherwise instructed by you during the Transfer Period. If the Fixed Account is not available at the end of the existing Fixed Account Term, these amounts will automatically transfer into the Holding Account at the end of the Fixed Account Term.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There are two ways you may find out the new interest rate for the Fixed Account for a subsequent Fixed Account Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Thirty (30) days before the current Fixed Account Term expires</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, we will send you notification, written or electronic depending </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on your selected preferences, stating your current Fixed Account Term is maturing and how you can obtain the new interest rate for the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You may also access our website at </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">https://www.brighthousefinancial.com/products/rates/ where at least two months of renewal rates for the Rate Crediting Types and the interest rate for the Fixed Account are posted – i.e., for the current month and the following month.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="font-family:Arial Narrow;font-size:10pt;">Fixed Account</span> <span style="font-family:Arial Narrow;font-size:10pt;">Interest will be compounded and credited daily to the </span><span style="font-family:Arial Narrow;font-size:10pt;">Fixed Account Value during the Fixed Account Term at an annual effective interest rate declared by us. We guarantee that the annual effective interest rate credited to your Fixed Account Value will not be less than the current Minimum Guaranteed Interest Rate, which will not be less than</span><span style="font-family:Arial Narrow;font-size:10pt;">1</span><span style="font-family:Arial Narrow;font-size:10pt;">%. Information about the features of the Fixed Account, including (i) its name, (ii) its </span><span style="font-family:Arial Narrow;font-size:10pt;">Fixed Account Term, and (iii) its Minimum Guaranteed Interest Rate, is available in an appendix to this prospectus. See Appendix A – Investment Options Available Under the Contract.</span> 0.01 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We will declare a new guaranteed interest rate for each subsequent Fixed Account Term, subject to the Minimum </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Guaranteed Interest Rate. At the Fixed Account Term End Date, the Fixed Account Value will automatically be renewed into the same Fixed Account Term, with the new interest rate, unless otherwise instructed by you during the Transfer Period. If the Fixed Account is not available at the end of the existing Fixed Account Term, these amounts will automatically transfer into the Holding Account at the end of the Fixed Account Term.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There are two ways you may find out the new interest rate for the Fixed Account for a subsequent Fixed Account Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Thirty (30) days before the current Fixed Account Term expires</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, we will send you notification, written or electronic depending </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on your selected preferences, stating your current Fixed Account Term is maturing and how you can obtain the new interest rate for the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> You may also access our website at </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">https://www.brighthousefinancial.com/products/rates/ where at least two months of renewal rates for the Rate Crediting Types and the interest rate for the Fixed Account are posted – i.e., for the current month and the following month.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There are two ways you may find out the new interest rate for the Fixed Account for a subsequent Fixed Account Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Thirty (30) days before the current Fixed Account Term expires</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, we will send you notification, written or electronic depending </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">on your selected preferences, stating your current Fixed Account Term is maturing and how you can obtain the new interest rate for the Fixed Account.</span> true <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">THE HOLDING ACCOUNT </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">There are certain circumstances where we will transfer amounts to the Holding Account. Please refer to your Contract </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">and Appendix F for more information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Appendix F </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">The Holding Account </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Holding Account is part of our General Account. You may not allocate your Purchase Payment or Account Value to the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Holding Account. The Holding Account is a limited purpose account and only under certain circumstances will we transfer amounts to the Holding Account. If you have a Shield Option that has reached its Term End Date, the amount in that Shield Option will be automatically renewed into the same Shield Option unless you instruct us to transfer such amount into a different Shield Option(s) or the Fixed Account during the Transfer Period. If the same Shield Option is no longer available, the amount will automatically transfer into the Fixed Account at the Term End Date. If the Fixed Account is not available, the amount will automatically transfer into the Holding Account. If you are allocated to a Shield Option that will not be available at the end of the existing Term, we will send a notification, written or electronic depending on your selected preference, describing any changes to the Shield Option, as required by law. If the Fixed Account is not available, this notification will also inform you of the current interest rate for the Holding Account and that on the Term End Date, the amounts in the discontinued Shield Option will be transferred to the Holding Account, unless otherwise instructed by you. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The amounts will remain in the Holding Account until you provide us with new allocation instructions. Once we receive </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">allocation instructions from you, we will transfer the amounts in the Holding Account to the Shield Option(s) on the next Contract Anniversary. During the Transfer Period, we will allow you to make transfers, and we will treat the transfer as if it occurred on the Contract Anniversary. Before the amounts in the Holding Account are transferred into the Shield Option(s), you can change your allocation instructions. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Holding Account has its own Holding Account interest rate and interest is credited daily at an effective annual rate </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">that we declare periodically. The Holding Account guaranteed minimum interest rate will not be less than 1%. The Holding Account guaranteed minimum interest rate can be found on your Contract Schedule. Your financial professional can tell you the current and guaranteed minimum interest rate. We reserve the right to change the Holding Account interest rate. </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Thirty (30) days before the current Term expires, we will send you a notification, written or electronic depending on your </span><span style="font-family:Arial Narrow;font-size:10pt;">selected preferences, indicating your maturing Shield Options and how you can obtain the new Cap Rates, Step Rates, and Edge Rates. You may also access our website at https://www.brighthousefinancial.com/products/rates/ where at least two months of renewal rates for the Rate Crediting Types, the Fixed Account and, if applicable, the interest rate for the Holding Account are posted – i.e., for the current month and the following month. See “RATE CREDITING TYPES.”</span> true <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Appendix A </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Investment Options Available Under The Contract </span><span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The following is a list of </span><span style="font-family:Arial Narrow;font-size:10pt;">Shield Options currently available under the Contract. The availability of Allocation Options may vary depending on the selling firm through which your Contract is sold. See Appendix G – Financial Intermediary Variations. We may change the features of the Shield Options listed below (including the Index and the current limits on Index gains and losses), offer new Shield Options, and terminate existing Shield Options. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at https://www.brighthousefinancial.com/products/rates/. See “SHIELD OPTIONS,”</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">“SHIELD RATES,” and “RATE CREDITING TYPES” sections in the prospectus for more information. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Note: If amounts are removed from a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Option before the end of a Term, we will apply an Interim Value calculation. This Interim Value calculation may result in a significant reduction in your Account Value that could exceed any protection from Index loss that would be in place if you held the option until the end of the Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">See “Interim Value Calculation” under “CHARGES, FEES, AND ADJUSTMENTS” and the “WITHDRAWAL PROVISIONS” section in the prospectus for more information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:48.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Index</span><span style="font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Type of Index</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Term</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Current Shield</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Rate (if held</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">until end of</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Term)</span></div></div></td> <td colspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.31pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum Guaranteed Rate</span></div> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">for Rate Crediting Type (for life</span></div> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">of Shield Option)</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_6fb3ba7f-d107-4b21-8757-028f5c0d4cd3">3.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:e256d613-de36-41a7-86f0-19dab03d9cd6">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_46b4c8b7-c1f2-43ab-9996-e82238c8ddf0">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:fdc4df90-7c6b-4e16-aba0-121e0997421a">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_2046a60b-b612-4124-a946-2a39ff8a6a1b">13.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_50cd6c42-99d0-4f4f-a4a8-5b6dae4d1e45">3.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:c8c750f6-a4d0-4543-83eb-ac530985718f">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_4e474c63-1e65-4885-b861-c828ea50492c">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_809ed8b5-1f22-46ec-b3e1-affda7248594">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:a9066063-07d9-4655-9ea4-8187615911c7">13.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">21%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:48.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Index</span><span style="font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">1</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Type of Index</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Term</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Current Shield</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Rate (if held</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">until end of</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Term)</span></div></div></td> <td colspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.31pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum Guaranteed Rate</span></div> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">for Rate Crediting Type (for life</span></div> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">of Shield Option)</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_3733c8e5-2b3c-4a81-83c1-92e90944f681">3.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:cc4e5ce2-a1e3-497e-8dfb-d925ee87b3b9">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:b64d306b-51de-45a9-94ae-7f35ce7784cd">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_5c0e17f0-9001-4196-a907-cd5a0335190d">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_4589c867-7406-4207-8c71-91486f600429">13.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_2a452cdc-9058-49f1-b1fa-1f5afd433b1d">3.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:ced8ad07-5118-468d-ac71-1f2cf5afd2c5">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_54b3d863-f313-46c7-a603-7fe0ef775213">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_51606da6-bfe6-4769-a6f9-6772dfb8fb67">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_9da91a49-19c7-4bc7-9ec6-33f68cfddadb">13.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">30%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0%;position:relative;top:-4.25pt;">1</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index. This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">We do not guarantee that there will always be a </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Option under the Contract that provides this minimum amount </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">of downside protection; however, there will always be at least one </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Option available with a minimum of 10% downside protection. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">The Minimum Guaranteed </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cap Rate for your Contract is the amount shown in the Cap Rate Shield Option Rider </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">attached to</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> your Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate, but will not be less than </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:b6bd7b6c-d370-4897-8c53-d5322252c935">3.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%. The Minimum Guaranteed Step </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">Rate</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> for your Contract is the amount shown in the Step Rate Shield Option Rider attached to your Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate, but will not be less than </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:x_663f1a22-6418-425f-b888-001b99b33b21">4.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Minimum Guaranteed Edge Rate for your Contract is the </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">amount shown </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">in the Step Rate Edge Shield Option Rider attached to your Contract and may vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate, but will not be less than </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:x_86324980-e924-40d5-bb07-c799eaa4aeaf">4.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">The following is a list of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Fixed Options currently available under the Contract. We may change the features of the Fixed Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">listed below, offer new </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Fixed Options, and terminate existing Fixed Options. We will provide you with written notice before doing </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">so. See “THE </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">FIXED ACCOUNT” section in the prospectus and Appendix E in the prospectus for information regarding the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:15.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:174.19pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Name</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:106.44pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fixed Account Term</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:178.37pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum Guaranteed Interest Rate</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:174.19pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:106.44pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:178.37pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1%</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0%;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial Narrow;font-size:10pt;"> The actual Minimum Guaranteed Interest Rate for your Contract is the amount shown in the Fixed Account Rider attached to your Contract and applies only to amounts in the Fixed Account.</span> <span style="font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The following is a list of </span><span style="font-family:Arial Narrow;font-size:10pt;">Shield Options currently available under the Contract. The availability of Allocation Options may vary depending on the selling firm through which your Contract is sold. See Appendix G – Financial Intermediary Variations. We may change the features of the Shield Options listed below (including the Index and the current limits on Index gains and losses), offer new Shield Options, and terminate existing Shield Options. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at https://www.brighthousefinancial.com/products/rates/. See “SHIELD OPTIONS,”</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;">“SHIELD RATES,” and “RATE CREDITING TYPES” sections in the prospectus for more information. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Note: If amounts are removed from a </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Option before the end of a Term, we will apply an Interim Value calculation. This Interim Value calculation may result in a significant reduction in your Account Value that could exceed any protection from Index loss that would be in place if you held the option until the end of the Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">See “Interim Value Calculation” under “CHARGES, FEES, AND ADJUSTMENTS” and the “WITHDRAWAL PROVISIONS” section in the prospectus for more information.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:48.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Index</span><span style="font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Type of Index</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Term</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Current Shield</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Rate (if held</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">until end of</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Term)</span></div></div></td> <td colspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.31pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum Guaranteed Rate</span></div> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">for Rate Crediting Type (for life</span></div> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">of Shield Option)</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_6fb3ba7f-d107-4b21-8757-028f5c0d4cd3">3.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:e256d613-de36-41a7-86f0-19dab03d9cd6">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_46b4c8b7-c1f2-43ab-9996-e82238c8ddf0">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:fdc4df90-7c6b-4e16-aba0-121e0997421a">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_2046a60b-b612-4124-a946-2a39ff8a6a1b">13.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_50cd6c42-99d0-4f4f-a4a8-5b6dae4d1e45">3.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:c8c750f6-a4d0-4543-83eb-ac530985718f">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_4e474c63-1e65-4885-b861-c828ea50492c">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_809ed8b5-1f22-46ec-b3e1-affda7248594">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:a9066063-07d9-4655-9ea4-8187615911c7">13.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">21%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:48.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Index</span><span style="font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">1</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Type of Index</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Term</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Current Shield</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Rate (if held</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">until end of</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Term)</span></div></div></td> <td colspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:167.31pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum Guaranteed Rate</span></div> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">for Rate Crediting Type (for life</span></div> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">of Shield Option)</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_3733c8e5-2b3c-4a81-83c1-92e90944f681">3.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:cc4e5ce2-a1e3-497e-8dfb-d925ee87b3b9">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:b64d306b-51de-45a9-94ae-7f35ce7784cd">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_5c0e17f0-9001-4196-a907-cd5a0335190d">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_4589c867-7406-4207-8c71-91486f600429">13.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_2a452cdc-9058-49f1-b1fa-1f5afd433b1d">3.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:ced8ad07-5118-468d-ac71-1f2cf5afd2c5">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_54b3d863-f313-46c7-a603-7fe0ef775213">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_51606da6-bfe6-4769-a6f9-6772dfb8fb67">4.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">9%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_9da91a49-19c7-4bc7-9ec6-33f68cfddadb">13.5%</span></span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:98.47pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:73.15pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:38.07pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">6 Year</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:82pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">10%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:111.86pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">30%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:55.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.25 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.15 0.09 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.15 0.09 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.10 0.10 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.10 0.10 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P3Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P3Y 0.10 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.25 0.21 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.15 0.27 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">S&amp;P 500</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.10 0.30 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.25 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.15 0.09 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.15 0.09 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.10 0.10 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.10 0.10 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P3Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P3Y 0.10 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.25 0.21 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate </span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.15 0.27 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.10 0.30 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.25 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.15 0.09 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.15 0.09 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.10 0.10 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.10 0.10 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P3Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P3Y 0.10 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.25 0.21 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.15 0.27 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">MSCI EAFE Index</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.10 0.30 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.25 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P1Y 0.10 0.05 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.15 0.09 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.15 0.09 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.10 0.10 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Step Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P2Y 0.10 0.10 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Edge Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P3Y 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P3Y 0.10 0.15 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.25 0.21 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.15 0.27 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nasdaq-100 Index</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market Index</span> P6Y 0.10 0.30 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cap Rate</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Each Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends declared by any of the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">companies in the </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index. This will reduce the Index Performance and will cause the Index to underperform a direct investment in the securities composing the Index.</span> <span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">We do not guarantee that there will always be a </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Option under the Contract that provides this minimum amount </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">of downside protection; however, there will always be at least one </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Option available with a minimum of 10% downside protection. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">The Minimum Guaranteed </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Cap Rate for your Contract is the amount shown in the Cap Rate Shield Option Rider </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">attached to</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> your Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate, but will not be less than </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:b6bd7b6c-d370-4897-8c53-d5322252c935">3.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%. The Minimum Guaranteed Step </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">Rate</span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> for your Contract is the amount shown in the Step Rate Shield Option Rider attached to your Contract</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and may </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate, but will not be less than </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:x_663f1a22-6418-425f-b888-001b99b33b21">4.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">. </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The Minimum Guaranteed Edge Rate for your Contract is the </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0%;">amount shown </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">in the Step Rate Edge Shield Option Rider attached to your Contract and may vary by</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Shield Rate, but will not be less than </span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;"><span style="-sec-ix-hidden:x_86324980-e924-40d5-bb07-c799eaa4aeaf">4.5</span></span><span style="font-family:Arial Narrow;font-size:10pt;font-weight:bold;">%</span><span style="font-family:Arial Narrow;font-size:10pt;">.</span><span style="font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">The following is a list of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Fixed Options currently available under the Contract. We may change the features of the Fixed Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">listed below, offer new </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Fixed Options, and terminate existing Fixed Options. We will provide you with written notice before doing </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">so. See “THE </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">FIXED ACCOUNT” section in the prospectus and Appendix E in the prospectus for information regarding the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">The following is a list of </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Fixed Options currently available under the Contract. We may change the features of the Fixed Options </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">listed below, offer new </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Fixed Options, and terminate existing Fixed Options. We will provide you with written notice before doing </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">so. See “THE </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">FIXED ACCOUNT” section in the prospectus and Appendix E in the prospectus for information regarding the Fixed Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:15.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:174.19pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Name</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:106.44pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fixed Account Term</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:178.37pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum Guaranteed Interest Rate</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:12.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:174.19pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:106.44pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1 Year</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:178.37pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1%</span></div></div></td></tr></table><span style="font-family:Arial Narrow;font-size:6.5pt;margin-left:0%;position:relative;top:-4.25pt;">2</span><span style="font-family:Arial Narrow;font-size:10pt;"> The actual Minimum Guaranteed Interest Rate for your Contract is the amount shown in the Fixed Account Rider attached to your Contract and applies only to amounts in the Fixed Account.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account</span> P1Y 0.01 <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Appendix B </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Index Publishers </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">BLNY uses the Indices under license from the Indices’ respective publishers. The following information about the Indices </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">is included in this prospectus in accordance with BLNY’s license agreements with the publishers of the Indices: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">S&amp;P Opco, LLC requires that the following disclaimer be included in this prospectus: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> is a product of S&amp;P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by affiliates of Brighthouse Financial, Inc., including Brighthouse Services, LLC and Brighthouse Life Insurance Company (collectively, “Brighthouse Financial”). S&amp;P</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, US 500, The 500, iBoxx</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, iTraxx</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> and CDX</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> are trademarks of S&amp;P Global, Inc. or its affiliates (“S&amp;P”); Dow Jones</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Brighthouse Financial. It is not possible to invest directly in an index. Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&amp;P, any of their respective affiliates (collectively, “S&amp;P Dow Jones Indices”). S&amp;P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity or any member of the public regarding the advisability of investing in securities generally or in Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity particularly or the ability of the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&amp;P Dow Jones Indices’ only relationship to Brighthouse Financial with respect to the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> is the licensing of the Index and certain trademarks, service marks and/or trade names of S&amp;P Dow Jones Indices and/or its licensors. The S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> is determined, composed and calculated by S&amp;P Dow Jones Indices without regard to Brighthouse Financial or Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity. S&amp;P Dow Jones Indices have no obligation to take the needs of Brighthouse Financial or the owners of Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity into consideration in determining, composing or calculating the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">. S&amp;P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity. There is no assurance that investment products based on the S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> will accurately track index performance or provide positive investment returns. S&amp;P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&amp;P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">NEITHER S&amp;P DOW JONES INDICES NOR THIRD PARTY LICENSOR GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">AND/OR THE COMPLETENESS OF THE S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">  INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO.  S&amp;P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN.  S&amp;P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY BRIGHTHOUSE FINANCIAL, OWNERS OF BRIGHTHOUSE SHIELD</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> LEVEL II 6-YEAR ANNUITY, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&amp;P 500</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> OR WITH RESPECT TO ANY DATA RELATED THERETO.  WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&amp;P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE.  S&amp;P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&amp;P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE BRIGHTHOUSE SHIELD</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> LEVEL II 6-YEAR ANNUITY REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&amp;P DOW JONES INDICES AND BRIGHTHOUSE FINANCIAL, OTHER THAN THE LICENSORS OF S&amp;P DOW JONES INDICES. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Frank Russell Company requires that the following disclaimer be included in this prospectus: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity is not sponsored, endorsed, sold or promoted by Frank Russell Company (“Russell”). Russell makes no representation or warranty, express or implied, to the owners of the Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity or any member of the public regarding the advisability of investing in securities generally or in the Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity particularly or the ability of the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index to track general stock market performance or a segment of the same. Russell’s publication of the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index in no way suggests or implies an opinion by Russell as to the advisability of investment in any or all of the securities upon which the Russell 2000® Index is based. Russell’s only relationship to affiliates of Brighthouse Financial, Inc., including Brighthouse Services, LLC and Brighthouse Life Insurance Company (collectively, “Brighthouse Financial”) is the licensing of certain trademarks and trade names of Russell and of the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index which is determined, composed and calculated by Russell without regard to </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">Brighthouse Financial or the Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity. Russell is not responsible for and has not reviewed </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">the Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity nor any associated literature or publications and Russell makes no </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">representation or warranty express or implied as to their accuracy or completeness, or otherwise. Russell reserves the right, at any time and without notice, to alter, amend, terminate or in any way change the Russell 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Index. Russell has no </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">obligation or liability in connection with the administration, marketing or trading of the Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">RUSSELL DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE RUSSELL 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> INDEX OR ANY DATA INCLUDED THEREIN AND RUSSELL SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. RUSSELL MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY BRIGHTHOUSE FINANCIAL, INVESTORS, OWNERS OF THE BRIGHTHOUSE SHIELD</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> LEVEL II 6-YEAR ANNUITY OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE RUSSELL 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> INDEX OR ANY DATA INCLUDED THEREIN. RUSSELL MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE RUSSELL 2000</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> INDEX OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL RUSSELL HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">MSCI Inc. requires that the following disclaimer be included in this prospectus: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">THE BRIGHTHOUSE SHIELD</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> LEVEL II 6-YEAR ANNUITY IS NOT SPONSORED, ENDORSED, SOLD OR PROMOTED BY MSCI INC. (“MSCI”), ANY OF ITS AFFILIATES, ANY OF ITS INFORMATION PROVIDERS OR ANY OTHER THIRD PARTY INVOLVED IN, OR RELATED TO, COMPILING, COMPUTING OR CREATING ANY MSCI INDEX (COLLECTIVELY, THE “MSCI PARTIES”). THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY OF MSCI. MSCI AND THE MSCI INDEX NAMES ARE SERVICE MARK(S) OF MSCI OR ITS AFFILIATES AND HAVE BEEN LICENSED FOR USE FOR CERTAIN PURPOSES BY AFFILIATES OF BRIGHTHOUSE FINANCIAL, INC. INCLUDING BRIGHTHOUSE SERVICES, LLC, BRIGHTHOUSE LIFE INSURANCE COMPANY, AND BRIGHTHOUSE LIFE INSURANCE COMPANY OF NY (COLLECTIVELY, “BRIGHTHOUSE FINANCIAL”). NONE OF THE MSCI PARTIES MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY REGARDING THE ADVISABILITY OF INVESTING IN PRODUCTS GENERALLY OR IN THIS PRODUCT PARTICULARLY OR THE ABILITY OF ANY MSCI INDEX TO TRACK CORRESPONDING STOCK MARKET PERFORMANCE. MSCI OR ITS AFFILIATES ARE THE LICENSORS OF CERTAIN TRADEMARKS, SERVICE MARKS AND TRADE NAMES AND OF THE MSCI INDEXES WHICH ARE DETERMINED, COMPOSED AND CALCULATED BY MSCI WITHOUT REGARD TO THIS PRODUCT OR THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY. NONE OF THE MSCI PARTIES HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY INTO CONSIDERATION IN DETERMINING, COMPOSING OR CALCULATING THE MSCI INDEXES. NONE OF THE MSCI PARTIES IS RESPONSIBLE FOR OR HAS PARTICIPATED IN THE DETERMINATION OF THE TIMING OF, PRICES AT, OR QUANTITIES OF THIS PRODUCT TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY OR THE CONSIDERATION INTO WHICH THIS PRODUCT IS REDEEMABLE. FURTHER, NONE OF THE MSCI PARTIES HAS ANY OBLIGATION OR LIABILITY TO THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY IN CONNECTION WITH THE ADMINISTRATION, MARKETING OR OFFERING OF THIS PRODUCT. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">ALTHOUGH MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION OF THE MSCI </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">INDEXES FROM SOURCES THAT MSCI CONSIDERS RELIABLE, NONE OF THE MSCI PARTIES WARRANTS OR GUARANTEES THE ORIGINALITY, ACCURACY AND/OR THE COMPLETENESS OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE ISSUER OF THE PRODUCT, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY, FROM THE USE OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES SHALL HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS OF OR IN CONNECTION WITH ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. FURTHER, NONE OF THE MSCI PARTIES MAKES ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, AND THE MSCI PARTIES HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO EACH MSCI INDEX AND ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL ANY OF THE MSCI PARTIES HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">No purchaser, seller or holder of the Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this security without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI. </span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Nasdaq, Inc. requires that the following disclaimer be included in this prospectus: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, Inc. with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity. The Corporations make no representation or warranty, express or implied to the owners of Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity or any member of the public regarding the advisability of investing in securities generally or in Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity particularly, or the ability of the Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">to track general stock market performance. The Corporations' only relationship to Brighthouse Life Insurance Company (“Licensee”) is in the licensing of the Nasdaq-100</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;line-height:12pt;position:relative;top:-4.25pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">, and certain trade names of the Corporations and the use of the Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">which is determined, composed and calculated by Nasdaq</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">without regard to Licensee or Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity. Nasdaq</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">® </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">has no obligation to take the needs of the Licensee or the owners of Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity into consideration in determining, composing or calculating the Nasdaq-100 Index</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">. The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity to be issued or in the determination or calculation of the equation by which Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of Brighthouse Shield</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Level II 6-Year Annuity. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF NASDAQ-100 </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">INDEX</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF BRIGHTHOUSE SHIELD</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> LEVEL II 6-YEAR ANNUITY, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX</span><span style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Appendix D </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Return of Premium Death Benefit Example </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The purpose of this example is to illustrate the operation of the Return of Premium death benefit. The investment results </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">shown are hypothetical and are not representative of past or future performance. Actual investment results may be more or less than those shown and will depend upon a number of factors, including the allocation made by an Owner and the Index Performance for the Shield Options chosen. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">The examples do not reflect the deduction of fees and charges, if any, Withdrawal Charges or income taxes and tax penalties. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Return of Premium Death Benefit </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The purpose of this example is to show how partial withdrawals reduce the Return of Premium death benefit </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">proportionally by the percentage reduction in Account Value of the Shield Option(s) and the Fixed Account for each partial withdrawal.</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:459pt;"> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:17.06pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:144pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:207.75pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:90.2pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Amount</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:17.06pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:144pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:207.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Issue Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:17.06pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:144pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:207.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">First Contract Anniversary</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$90,000</span></div></div></td></tr> <tr style="height:27pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:17.06pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">C</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:144pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:207.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">First Contract Anniversary</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000</span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(= greater of A and B)</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:17.06pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">D</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:144pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:207.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">One Day after the First Contract Anniversary</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$9,000</span></div></div></td></tr> <tr style="height:27pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:17.06pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">E</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:144pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Percentage Reduction in Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:207.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">One Day after the First Contract Anniversary</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">10% (= D/B)</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:17.06pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">F</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:144pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Account Value after Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:207.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">One Day after the First Contract Anniversary</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$81,000 (= B-D)</span></div></div></td></tr> <tr style="height:27pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:17.06pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">G</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:144pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payment Reduced for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:207.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">One Day after the First Contract Anniversary</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$90,000</span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(= A-(A × E))</span></div></div></td></tr> <tr style="height:25.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:17.06pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">H</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:144pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:207.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">One Day after the First Contract Anniversary</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:90.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$90,000</span></div> <div style="margin-left:5.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(= greater of F and G)</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-decoration:underline;">Notes to Example. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Purchaser is age 60 at issue. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0%;">The Account Values on the First Contract Anniversary and One Day after the First Contract Anniversary are assumed to be equal </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">prior to the withdrawal.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Appendix E </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">The Fixed Account </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;">See Appendix F for more information about the Holding Account </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The Fixed Account is a funding option that may be available and is part of BLNY’s General Account assets. These General </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Account assets include all assets of BLNY other than those held in the Separate Accounts sponsored by BLNY or its affiliates. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Any interest in the Fixed Account is not a security under the Securities Act of 1933 and the Fixed Account is not </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">registered under or regulated by the Investment Company Act of 1940. Accordingly, the Fixed Account is not offered by virtue of the prospectus. Disclosure regarding the Fixed Account and the General Account may, however, be subject to certain provisions of the Federal securities laws relating to the accuracy and completeness of statements made in the prospectus. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Under the Fixed Account, BLNY assumes the risk of investment gain or loss, guarantees a specified interest rate, and </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">guarantees a specified periodic Annuity Payment. We guarantee that, at any time, the Fixed Account Value will not be less than the amount of the Purchase Payments allocated to the Fixed Account, plus interest credited as described below, less any applicable Premium Taxes or prior withdrawals. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Account Value allocated to the Fixed Account and any transfers made to the Fixed Account become part of BLNY’s </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">General Account, which supports insurance and annuity obligations. We reserve the right to restrict Investment Amounts into the Fixed Account whenever the credited interest rate on the Fixed Account is equal to the Minimum Guaranteed Interest Rate specified in your Contract. Because of exemptive and exclusionary provisions, interests in the Fixed Account have not been registered under the Securities Act of 1933, neither the Fixed Account nor the General Account is registered or regulated under the Investment Company Act of 1940. We will invest the assets of the Fixed Account at our discretion. Investment income from such Fixed Account assets will be allocated to us and to the Contracts participating in the Fixed Account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">Investment income from the Fixed Account allocated to us includes compensation for risks borne by us in connection </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">with Fixed Account Contracts. The amount of such investment income allocated to the Contracts will vary from year to year in our sole discretion at such rate or rates as we prospectively declare from time to time. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">We guarantee that for the life of the Contract interest credited to your Fixed Account Value during the Fixed Account Term </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">beginning on the Issue Date will not be accumulated at less than the Minimum Guaranteed Interest Rate allowed by state law. The current Minimum Guaranteed Interest Rate applicable to any Contract will not be less than 1%. We reserve the right to change the rate subject to state law. We will determine any interest we credit to amounts allocated to the Fixed Account in excess of the Minimum Guaranteed Interest Rate at our sole discretion. You assume the risk that interest credited to the Fixed Account may not exceed the Minimum Guaranteed Interest Rate for any given year. We have no specific formula for determining the interest rate. Some factors we may consider are regulatory and tax requirements, general economic trends and competitive factors. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">For renewals into the Fixed Account, the new guaranteed interest rate will be declared for each subsequent Fixed </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Account Term. At the Fixed Account Term End Date, the Fixed Account Value will automatically be renewed into the same Fixed Account Term, with the new interest rate, unless otherwise instructed by you. If the Fixed Account is not available at the end of the existing Fixed Account Term, these amounts will automatically transfer into the Holding Account at the end of the Fixed Account Term unless otherwise instructed by you to transfer into one or more available Shield Options. You have the Transfer Period to notify us that you want to transfer some or all of your Fixed Account Value to a new Shield Option(s). </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">Fixed Account Value.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> We credit interest to the portion of the Account Value allocated to the Fixed Account. (See “Interest Crediting” below.) The Fixed Account is part of our General Account. We guarantee that the interest credited to your initial allocation to the Fixed Account during the Fixed Account Term beginning on the Issue Date will not be accumulated at less than the Minimum Guaranteed Interest Rate. Thereafter, we will declare an interest rate as of each subsequent Fixed Account Term and such rate will not be less than the Minimum Guaranteed Interest Rate. If the declared interest rate equals the Minimum Guaranteed Interest Rate specified in your Contract and we are unable to support the Minimum Guaranteed Interest Rate, we reserve the right, with thirty (30) days advance written Notice, to restrict transfers and allocations into the Fixed Account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.36%;">The initial Fixed Account Value is the amount initially allocated to the Fixed Account. Thereafter, the Fixed Account Value </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">equals: (a) the initial Fixed Account Value or the Fixed Account Value on the most recent Contract Anniversary, as applicable, including any transfers; plus (b) any interest credited by us; less (c) the amount of any withdrawals (including any Withdrawal Charges); and less (d) any Premium Tax or other taxes, if applicable. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">Interest Crediting.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> Interest will be compounded and credited daily to the Fixed Account at an annual effective interest rate declared by us. Interest will be credited on amounts allocated to the Fixed Account through the effective date such amounts are withdrawn or transferred from the Fixed Account. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">Deferral of Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> After receipt of a Notice of withdrawal, we reserve the right to defer payment for a withdrawal for the period permitted by law but not for more than six (6) months. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:4.36%;">Interest of Delayed Payments.</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> For the value of the Shield Options, we will pay interest on any payments of death benefits not made within seven (7) calendar days of receipt of due proof of death and the first acceptable election. For the Fixed Account Value, we will pay interest on any payments of death benefits from the date of death. We will also pay interest on withdrawals paid ten (10) Business Days or later after receipt by us of any Notice to complete the transactions. Interest, in either instance, will be paid in accordance with laws and regulations in effect in the state of New York. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Important terms that will help you understand this Appendix E: </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Fixed Account Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The length of time over which the current Fixed Account interest rate is guaranteed. No Fixed Account Term will extend beyond the Annuity Date. The minimum Fixed Account Term depends on the date your Contract is issued but will not be less than one (1) year. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fixed Account Value. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">The Fixed Account Value at the end of the Fixed Account Term. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:4.36%;">Transfers. </span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">During the Accumulation Period you may only make a transfer to or from the Fixed Account and/or to or from a new Shield Option(s) during the Transfer Period. Once we receive allocation instructions from you, we will transfer the amounts in the Fixed Account to the Shield Option(s) on the next Contract Anniversary. The effective date of such transfer is the first day of the Fixed Account Term and/or a Term(s) in which the transfer is made.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">None.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Item 31A.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Information About Contracts with Index-Linked Options and Fixed Options Subject to a Contract Adjustment </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The information in the table below is as of December 31, of the prior calendar year.</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:510pt;"> <tr style="height:60.5pt;"> <td style="vertical-align:Bottom;width:111.63pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:4.48%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Name of the</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Contract</span></div></div></div></td> <td style="vertical-align:Bottom;width:50.89pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9.83%;margin-right:9.83%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Number of</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Contracts</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">outstanding</span></div></div></div></td> <td style="vertical-align:Bottom;width:95.68pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:5.23%;margin-right:5.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Total Value</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">attributable to</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">the Index-Linked Option</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">and/or Fixed</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Option subject</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">to a Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Adjustment</span></div></div></div></td> <td style="vertical-align:Bottom;width:60.88pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.21%;margin-right:8.21%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Number of</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Contracts Sold</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">during the</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">prior calendar</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">year</span></div></div></div></td> <td style="vertical-align:Bottom;width:79.46pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:6.29%;margin-right:6.29%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Gross</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Premiums</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">received</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">during the</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">prior calendar</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">year</span></div></div></div></td> <td style="vertical-align:Bottom;width:61.13pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.18%;margin-right:8.18%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Amount of</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Contract value</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">redeemed</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">during the</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">prior calendar</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">year</span></div></div></div></td> <td style="vertical-align:Bottom;width:50.34pt;"> <div style="line-height:9.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:9.93%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Combination</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Contract</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">(Yes/No)</span></div></div></div></td></tr> <tr style="height:25.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:111.63pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Brighthouse Shield</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-right:5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Level II 6-Year Annuity</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:50.89pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7,803</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:95.68pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$1,663167,100</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:60.88pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">5,882</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:79.46pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$1,203,466,467</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:61.13pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">$7,819,712</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:50.34pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">No</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">See Exhibit (r). </span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Brighthouse Shield</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Level II 6-Year Annuity</span> 7803 1663167100 5882 1203466467 7819712