SecurePay Investor benefit Maximize growth potential with the optional SecurePay Investor benefit • Full access to the subaccount investment lineup • Choose single or joint withdrawals when Highlights • Annual step-ups lock in investment growth income starts • Age-based withdrawal rates Issue ages 55-85 Annual costs At issue: 0.50% of benefit base (0.60% for RightTime) SecurePay Defer up to a cumulative total of three times (3x) your annual withdrawal amount for distribution Reserve 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. SecurePay NH 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% 24 For Financial Professional Use Only. Not for Use With Consumers.