For Financial Professional Use Only. Not for Use With Consumers. 24 Highlights • Full access to the subaccount investment lineup • Annual step-ups lock in investment growth • Age-based withdrawal rates • Choose single or joint withdrawals when income starts Issue ages 55-85 Annual costs At issue: 0.50% of benefit base (0.60% for RightTime) SecurePay Reserve feature Defer up to a cumulative total of three times (3x) your annual withdrawal amount for distribution later without penalty or impacting the benefit base. Included at no additional cost. SecurePay NH Provides higher withdrawal amounts for owners receiving qualifying nursing home care. Withdrawal percentages can double, up to 10%, for 5 years as a result of a 90-day nursing home stay. Included at no additional cost. RightTime Flexibility to add an optional GLWB after contract issue for only 0.10% SecurePay Investor benefit Maximize growth potential with the optional SecurePay Investor benefit