Product specifications at a glance Client profile For clients (ages 0-85) looking for investment growth potential, lifetime income and legacy planning solutions Cost • Mortality and expense risk and administration charge: 1.20% • Contract maintenance fee: $35 During the first contract year, contract owners can After Year 1, the greatest of: Free withdrawals withdraw 10% of the initial investment without a 1) Earnings as of prior anniversary or surrender charge. 2) 10% of cumulative Purchase Payment as of prior anniversary or 3) 10% of contract value as of prior contract anniversary. Withdrawal charges 7 Years — 7%, 6%, 6%, 5%, 4%, 3%, 2% Standard death benefit: Contract value Availability ages Contract value lock-in Cost Standard Contract Value death benefit 0-85 N/A Included Death benefit options Return of purchase payments 0-85 N/A 0.20%* (annualized) Maximum Anniversary Value death benefit 0-77 Annually 0.35%* (annualized) Maximum Quarterly Value death benefit 0-77 Quarterly 0.40%* (annualized) Investment growth potential Over 90 fund investment options from top fund managers SecurePay Protector Benefit SecurePay Investor Benefit 5% compounding rollup and annual step-ups Annual step-ups 1.40% (1.50% RightTime) as a percentage of benefit base 0.50% (0.60% RightTime) as a percentage of benefit base Lifetime income options Chose single or joint when income starts SecurePay Reserve: Ability to defer up to 3x AWA during retirement SecurePay NH: Double withdrawal percentage up to 10% for up to 5 years as a result of 90-day nursing home stay Available ages 55-85 4 For Financial Professional Use Only. Not for Use With Consumers. * Less an adjustment for each prior withdrawal.