SecurePay Protector benefit Maximize clients’ guaranteed income with benefit base growth, regardless of market performance. • 5% compounding roll-up available for 10 years or until withdrawal begin Highlights • Annual step-ups lock in investment growth with up to 80% equity exposure during accumulation • Age-based withdrawal rates • Choose single or joint withdrawals when income starts Issue ages 55-85 Annual costs At issue: 1.40% of benefit base (1.50% for RightTime) The benefit base will increase by the greater of a 5% compounding roll-up or the investment Guaranteed growth growth annually. This opportunity occurs on every contract anniversary until it has occurred 10 times or until the owner begins taking withdrawals. SecurePay Reserve Defer up to a cumulative total of three times (3x) your annual withdrawal amount for distribution feature later without penalty or impacting the benefit base. Included at no additional cost. Provides higher withdrawal amounts for owners receiving qualifying nursing home care. 1 Withdrawal percentages can double, up to 10%, for 5 years as a result of a 90-day nursing home SecurePay NH stay. Included at no additional cost. RightTime Flexibility to add an optional GLWB after contract issue for only 0.10% 1 SecurePay NH nursing home enhancement may not be available in all states and may not be available with new contracts in the future. To qualify for SecurePay NH, the client must: Be confined to a qualified nursing care facility; be unable to perform two out of six specified Activities of Daily Living or be diagnosed with a severe cognitive impairment; have not been in a nursing home one year before and after purchasing an optional protected lifetime income benefit. Proof of continued qualification is required for each contract year in which this benefit is claimed. 12 For Financial Professional Use Only. Not for Use With Consumers.