Transferring funds between accounts Annual transfer You can transfer funds between the 昀椀xed account and indexed account after your 昀椀rst policy year. You can request that up to 100% of your 昀椀xed account value be transferred to the current indexed segment in the indexed account. That transfer will occur on the monthly anniversary following the request. You can also request that up to 100% of an indexed segment’s value be transferred to the 昀椀xed account. That transfer will occur on the monthly anniversary on or after the indexed segment’s crediting date. With this option, only one transfer from an indexed segment to the 昀椀xed account can be made each year. Transfers between indexed segments are not permitted. Monthly level transfer You can set up automatic monthly transfers of a 昀椀xed dollar amount from the 昀椀xed account to the indexed account for no more than 12 months (this is the default period). Transfers will occur on the 15th of the designated months. If the 昀椀xed account balance is less than the monthly level transfer amount, then the remaining amount in the 昀椀xed account will be transferred to the indexed account and the monthly transfer will end. Requested manual transfers from the 昀椀xed account to the indexed account are not permitted while a monthly level transfer is active. The monthly level transfer can be stopped at any time, but only one can be in place for the policy at any given time. Please see your policy for more detailed information about transfers between accounts. 3