497 1 d33671d497.txt 497 FOR CHOICE POST Genworth Life & Annuity VA Separate Account 1 Prospectus For Flexible Premium Variable Deferred Annuity Contracts Form P1154 4/00 Issued by: Genworth Life and Annuity Insurance Company Home Office: 6610 West Broad Street Richmond, Virginia 23230 Telephone: (800) 352-9910 -------------------------------------------------------------------------------- This prospectus, dated April 30, 2021, describes a flexible premium variable deferred annuity contract (the "contract" or "contracts") issued on or after the later of May 1, 2003 or the date on which state insurance authorities approve applicable contract modifications. The contract may be issued to individuals and qualified and nonqualified retirement plans. Genworth Life and Annuity Insurance Company (the "Company," "we," "us," or "our") issues the contract. This contract may be referred to as "RetireReady/SM/ Choice" in our marketing materials. This contract (RetireReady/SM/ Choice) is no longer offered or sold. This prospectus describes all material features and benefits of the contract and provides details about Genworth Life & Annuity VA Separate Account 1 (the "Separate Account") and the Guarantee Account that you should know before investing. Please read this prospectus carefully before investing and keep it for future reference. The contract offers you the opportunity to accumulate Contract Value and provides for the payment of periodic annuity benefits. We may pay these annuity benefits on a variable or fixed basis. You may allocate your purchase payments to the Separate Account, the Guarantee Account, or both. Each Subaccount of the Separate Account invests in shares of Portfolios of the Funds listed below: AB Variable Products Series Fund, Inc.: AB Balanced Wealth Strategy Portfolio -- Class B AB Global Thematic Growth Portfolio -- Class B AB Growth and Income Portfolio -- Class B AB International Value Portfolio -- Class B AB Large Cap Growth Portfolio -- Class B AB Small Cap Growth Portfolio -- Class B AIM Variable Insurance Funds (Invesco Variable Insurance Funds): Invesco V.I. American Franchise Fund -- Series I shares Invesco V.I. Capital Appreciation Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares) Invesco V.I. Comstock Fund -- Series II shares Invesco V.I. Conservative Balanced Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares) Invesco V.I. Core Equity Fund -- Series I shares Invesco V.I. Equity and Income Fund -- Series II shares Invesco V.I. Global Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Global Fund -- Series II Shares) Invesco V.I. International Growth Fund -- Series II shares Invesco V.I. Main Street Fund(R) -- Series II shares (formerly, Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares) Invesco V.I. Main Street Small Cap Fund(R) -- Series II shares (formerly, Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- Series II Shares) American Century Variable Portfolios II, Inc.: VP Inflation Protection Fund -- Class II BlackRock Variable Series Funds, Inc.: BlackRock Advantage SMID Class V.I. Fund -- Class III Shares (formerly, BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares) BlackRock Basic Value V.I. Fund -- Class III Shares BlackRock Global Allocation V.I. Fund -- Class III Shares Columbia Funds Variable Series Trust II: Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 Eaton Vance Variable Trust: VT Floating-Rate Income Fund Federated Hermes Insurance Series: Federated Hermes High Income Bond Fund II -- Service Shares Federated Hermes Kaufmann Fund II -- Service Shares 1 Fidelity(R) Variable Insurance Products Fund: VIP Balanced Portfolio -- Service Class 2 VIP Contrafund(R) Portfolio -- Service Class 2 VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 VIP Equity-Income Portfolio -- Service Class 2 VIP Growth Portfolio -- Service Class 2 VIP Growth & Income Portfolio -- Service Class 2 VIP Growth Opportunities Portfolio -- Service Class 2 VIP Investment Grade Bond Portfolio -- Service Class 2 VIP Mid Cap Portfolio -- Service Class 2 VIP Value Strategies Portfolio -- Service Class 2 Franklin Templeton Variable Insurance Products Trust: Franklin Mutual Shares VIP Fund -- Class 2 Shares Templeton Growth VIP Fund -- Class 2 Shares Goldman Sachs Variable Insurance Trust: Goldman Sachs Government Money Market Fund -- Service Shares Janus Aspen Series: Janus Henderson Balanced Portfolio -- Service Shares Janus Henderson Forty Portfolio -- Service Shares MFS(R) Variable Insurance Trust: MFS(R) Total Return Series -- Service Class Shares MFS(R) Utilities Series -- Service Class Shares MFS(R) Variable Insurance Trust II: MFS(R) Massachusetts Investors Growth Stock Portfolio -- Service Class Shares PIMCO Variable Insurance Trust: All Asset Portfolio -- Advisor Class Shares High Yield Portfolio -- Administrative Class Shares Long-Term U.S. Government Portfolio -- Administrative Class Shares Low Duration Portfolio -- Administrative Class Shares Total Return Portfolio -- Administrative Class Shares The Prudential Series Fund: Natural Resources Portfolio -- Class II Shares PGIM Jennison Focused Blend Portfolio -- Class II Shares (formerly, Jennison 20/20 Focus Portfolio -- Class II Shares) PGIM Jennison Growth Portfolio -- Class II Shares (formerly, Jennison Portfolio -- Class II Shares) State Street Variable Insurance Series Funds, Inc.: Real Estate Securities V.I.S. Fund -- Class 1 Shares Small-Cap Equity V.I.S. Fund -- Class 1 Shares Total Return V.I.S. Fund -- Class 1 Shares/1/ Total Return V.I.S. Fund -- Class 3 Shares/1/ U.S. Equity V.I.S. Fund -- Class 1 Shares Wells Fargo Variable Trust: Wells Fargo VT Omega Growth Fund -- Class 2 The following Portfolio is not available for new purchase payments or transfers or for new contracts issued on or after November 15, 2004: Janus Aspen Series: Janus Henderson Overseas Portfolio -- Service Shares The following Portfolios are not available to contracts issued on or after May 1, 2006: Fidelity(R) Variable Insurance Products Fund: VIP Asset Manager/SM/ Portfolio -- Service Class 2 Goldman Sachs Variable Insurance Trust: Goldman Sachs Mid Cap Value Fund -- Institutional Shares MFS(R) Variable Insurance Trust: MFS(R) New Discovery Series -- Service Class Shares The following Portfolios are not available to contracts issued on or after May 1, 2007: AIM Variable Insurance Funds (Invesco Variable Insurance Funds): Invesco V.I. American Franchise Fund -- Series II shares Legg Mason Partners Variable Equity Trust: ClearBridge Variable Dividend Strategy Portfolio -- Class II The following Portfolios are not available to contracts issued on or after September 8, 2008: AIM Variable Insurance Funds (Invesco Variable Insurance Funds): Invesco V.I. American Value Fund -- Series II shares (formerly, Invesco V.I. Value Opportunities Fund -- Series II shares) Invesco V.I. Discovery Mid Cap Growth Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- Series II Shares) BlackRock Variable Series Funds, Inc.: BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares Legg Mason Partners Variable Equity Trust: ClearBridge Variable Aggressive Growth Portfolio -- Class II ClearBridge Variable Large Cap Value Portfolio -- Class I MFS(R) Variable Insurance Trust: MFS(R) Investors Trust Series -- Service Class Shares Rydex Variable Trust: NASDAQ-100(R) Fund State Street Variable Insurance Series Funds, Inc.: Income V.I.S. Fund -- Class 1 Shares Premier Growth Equity V.I.S. Fund -- Class 1 Shares S&P 500(R) Index V.I.S. Fund -- Class 1 Shares /1/ The Subaccount invests in Class 1 shares of the Total Return V.I.S. Fund for contracts issued before May 1, 2006. Class 1 shares of the Total Return V.I.S. Fund are not available for contracts issued on or after May 1, 2006. The Subaccount invests in Class 3 shares of the Total Return V.I.S. Fund for contracts issued on or after May 1, 2006. 2 The following Portfolios are not available as investment options under contracts issued on or after January 5, 2009: Franklin Templeton Variable Insurance Products Trust: Franklin Allocation VIP Fund -- Class 2 Shares Franklin Income VIP Fund -- Class 2 Shares Not all of these Portfolios may be available in all states or in all markets. Beginning on January 1, 2021, we will no longer send you paper copies of shareholder reports for the Portfolios of the Funds offered under the contract ("Reports") unless you specifically request paper copies from us. Instead, the Reports will be made available on a website. We will notify you by mail each time a Report is posted. The notice will provide website links to access the Reports as well as instructions for requesting paper copies. If you wish to continue to receive Reports in paper free of charge from us, please call (800) 352-9910. Your election to receive Reports in paper will apply to all underlying Funds and Portfolios available under your contract. If you have already elected to receive Reports electronically, you will not be affected by this change and you need not take any action. If you wish to receive the Reports and other disclosure documents from us electronically, please contact us at (800) 352-9910 or visit genworth.com to register. The Securities and Exchange Commission ("SEC") has not approved or disapproved these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. Your contract: . Is NOT a bank deposit . Is NOT FDIC insured . Is NOT insured or endorsed by a bank or any federal government agency . Is NOT available in every state . MAY go down in value Except for amounts in the Guarantee Account, both the value of a contract before the Annuity Commencement Date and the amount of monthly income afterwards will depend upon the investment performance of the Portfolio(s) you select. You bear the investment risk of investing in the Portfolios. This contract has optional benefits, for an additional charge, available to contact owners. Not all benefits may be available in all states or in all markets. Should you not be able to obtain a certain feature explained in this prospectus through your current representative, please contact our Home Office at the telephone number or address listed below to inquire as to whether a particular optional benefit is available in your state and, if so, for a list of firms that will permit such an optional benefit for sale. Please note that some optional benefits may have requirements that differ from or are in addition to the base contract. Before deciding to invest in an optional benefit, you should weigh its costs and benefits against the possibility that, had you not purchased the optional benefit, your Contract Value may have been higher. The contract is also offered to customers of various financial institutions and brokerage firms. No financial institution or brokerage firm is responsible for the guarantees under the contract. Guarantees under the contract are the sole responsibility of the Company. We may offer other contracts with features that are substantially similar to those offered in this contract and in this prospectus. These other contracts may be priced differently and may be offered exclusively to customers of one or more particular financial institutions or brokerage firms. In the future, additional portfolios managed by certain financial institutions or brokerage firms may be added to the Separate Account. These portfolios may be offered exclusively to purchasing customers of the particular financial institution or brokerage firm. This contract may be used with certain tax qualified retirement plans. The contract includes attributes such as tax deferral on accumulated earnings. Qualified retirement plans provide their own tax deferral benefit; the purchase of this contract does not provide additional tax deferral benefits beyond those provided in the qualified retirement plan. If you are purchasing this contract as a Qualified Contract, you should consider purchasing this contract for its death benefit, income benefits and other non-tax-related benefits. Please consult a tax adviser for information specific to your circumstances in order to determine whether this contract is an appropriate investment for you. A Statement of Additional Information, dated April 30, 2021, which contains additional information about the contract has been filed with the SEC and is incorporated by reference into this prospectus. A table of contents for the Statement of Additional Information appears on the last page of this prospectus. If you would like a free copy, call us at: (800) 352-9910; or write us at: 6610 West Broad Street Richmond, Virginia 23230 The Statement of Additional Information and other material incorporated by reference can be found on the SEC's website at: www.sec.gov This prospectus does not constitute an offering in any jurisdiction in which such offering may not lawfully be made. 3 Table of Contents Definitions................................................ 7 Fee Tables................................................. 10 Examples................................................ 18 Synopsis................................................... 20 Condensed Financial Information............................ 23 The Company................................................ 24 Financial Condition of the Company......................... 24 The Separate Account....................................... 25 The Portfolios.......................................... 25 Subaccounts............................................. 27 Voting Rights........................................... 35 Asset Allocation Program................................ 35 The Guarantee Account...................................... 45 Charges and Other Deductions............................... 46 Transaction Expenses.................................... 46 Surrender Charge.................................... 46 Exceptions to the Surrender Charge.................. 47 Deductions from the Separate Account.................... 47 Charges for the Living Benefit Rider Options............ 47 Charges for the Death Benefit Rider Options............. 51 Other Charges........................................... 52 The Contract............................................... 53 Ownership............................................... 53 Assignment.............................................. 54 Purchase Payments....................................... 54 Valuation Day and Valuation Period...................... 55 Allocation of Purchase Payments......................... 55 Valuation of Accumulation Units......................... 55 Transfers.................................................. 56 Transfers Before the Annuity Commencement Date.......... 56 Transfers from the Guarantee Account to the Subaccounts. 56 Transfers from the Subaccounts to the Guarantee Account. 56 Transfers Among the Subaccounts......................... 57 Telephone/Internet Transactions......................... 58 Confirmation of Transactions............................ 58 Special Note on Reliability............................. 58 Transfers by Third Parties.............................. 58 Special Note on Frequent Transfers...................... 59 Dollar Cost Averaging Program........................... 60 Defined Dollar Cost Averaging Program................... 61 Portfolio Rebalancing Program........................... 62 Guarantee Account Interest Sweep Program................ 62 4 Surrenders and Partial Withdrawals................................................................... 63 Surrenders and Partial Withdrawals................................................................ 63 Restrictions on Distributions from Certain Contracts.............................................. 64 Systematic Withdrawal Program..................................................................... 64 Guaranteed Minimum Withdrawal Benefit Rider Options............................................... 65 Lifetime Income Plus Solution................................................................. 65 Lifetime Income Plus 2008..................................................................... 79 Lifetime Income Plus 2007..................................................................... 92 Lifetime Income Plus (for contracts issued on or after the later of May 1, 2006, or the date of state insurance department approval)................................................ 100 Lifetime Income Plus (for contracts issued prior to May 1, 2006, or prior to the date of state insurance department approval)........................................................ 108 Guaranteed Withdrawal Advantage............................................................... 115 Investment Strategy for the Guaranteed Minimum Withdrawal Benefit Rider Options............... 119 Annuity Cross Funding Program..................................................................... 120 Death of Owner and/or Annuitant...................................................................... 121 Distribution Provisions Upon Death of Owner or Joint Owner........................................ 121 Death Benefit at Death of Any Annuitant Before Annuity Commencement Date.......................... 122 Basic Death Benefit............................................................................... 122 Annual Step-Up Death Benefit Rider Option......................................................... 122 5% Rollup Death Benefit Rider Option.............................................................. 123 Earnings Protector Death Benefit Rider Option..................................................... 124 The Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option..... 125 Termination of Death Benefit Rider Options When Contract Assigned or Sold......................... 125 How to Claim Proceeds and/or Death Benefit Payments............................................... 125 Distribution Rules................................................................................ 128 Income Payments...................................................................................... 129 Income Payments and the Annuity Commencement Date................................................. 129 Optional Payment Plans............................................................................ 130 Variable Income Payments.......................................................................... 131 Transfers After the Annuity Commencement Date..................................................... 132 Guaranteed Income Advantage....................................................................... 132 Payment Protection Rider Options.................................................................. 140 Payment Optimizer Plus........................................................................ 140 Principal Protection Advantage................................................................ 150 Tax Matters.......................................................................................... 156 Introduction...................................................................................... 156 Taxation of Non-Qualified Contracts............................................................... 156 Section 1035 Exchanges............................................................................ 159 Qualified Retirement Plans........................................................................ 160 Federal Income Tax Withholding.................................................................... 164 State Income Tax Withholding...................................................................... 164 Tax Status of the Company......................................................................... 164 Federal Estate, Gift and Generation-Skipping Transfer Taxes....................................... 165 Definition of Spouse Under Federal Law............................................................ 165 Annuity Purchases by Residents of Puerto Rico..................................................... 165 Annuity Purchases by Nonresident Aliens and Foreign Corporations.................................. 165 Foreign Tax Credits............................................................................... 165 Changes in the Law................................................................................ 165 5 Requesting Payments........................................... 165 Sale of the Contracts......................................... 166 Additional Information........................................ 167 Owner Questions............................................ 167 Return Privilege........................................... 168 State Regulation........................................... 168 Evidence of Death, Age, Gender, Marital Status or Survival. 168 Records and Reports........................................ 168 Other Information.......................................... 168 Exemption to File Periodic Report.......................... 168 Unclaimed Property......................................... 168 Cybersecurity.............................................. 168 Natural and Man-Made Disasters............................. 169 Legal Proceedings.......................................... 169 Appendix A -- Examples of the Available Death Benefits........ A-1 Appendix B -- Condensed Financial Information................. B-1 Table of Contents for Statement of Additional Information 6 DEFINITIONS The following terms are used throughout the prospectus: Accumulation Unit -- An accounting unit of measure we use to calculate the value in the Separate Account before the income payments commence. Annuitant/Joint Annuitant -- The person(s) named in the contract upon whose age and, where appropriate, gender, we determine monthly income benefits. Annuity Commencement Date -- The date on which your income payments will commence, if any Annuitant is living on that date. The Annuity Commencement Date is stated in your contract, unless changed by you in writing in a form acceptable to us. Annuity Unit -- An accounting unit of measure we use to calculate the amount of the second and each subsequent variable income payment. Asset Allocation Model -- A component of the Investment Strategy for the Payment Protection Rider Options and the Guaranteed Minimum Withdrawal Benefit Rider Options. Benefit Date -- For the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution), the date that will be the later of the Contract Date and the Valuation Day of the most recent reset. Benefit Year -- For the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution), each one-year period following the Benefit Date and each anniversary of that date. For Lifetime Income Plus 2008 and Lifetime Income Plus Solution, each one-year period following the Contract Date and each anniversary of that date. Code -- The Internal Revenue Code of 1986, as amended. Contract Date -- The date we issue your contract and your contract becomes effective. Your Contract Date is shown in your contract. We use the Contract Date to determine contract years and anniversaries. Contract Value -- The total value of all your Accumulation Units in the Subaccounts and any amounts you hold in the Guarantee Account. Designated Subaccounts -- The Subaccounts or Model Portfolios available under the Investment Strategy for the Payment Protection Rider Options and the Guaranteed Minimum Withdrawal Benefit Rider Options. Fund -- Any open-end management investment company or any unit investment trust in which the Separate Account invests. Funding Annuity -- This variable deferred annuity issued by Genworth Life and Annuity Insurance Company; this contract becomes a Funding Annuity when it is purchased on the same date as a Scheduled Purchase Payment Variable Deferred Annuity Contract issued by Genworth Life and Annuity Insurance Company. The assets of this Funding Annuity are withdrawn and immediately allocated to the Scheduled Purchase Payment Variable Deferred Annuity Contract. General Account -- Assets of the Company other than those allocated to the Separate Account or any other segregated asset account of the Company. GIS Subaccount -- A division of the Separate Account that invests exclusively in shares of the State Street Variable Insurance Series Funds, Inc. -- Total Return V.I.S. Fund. This Subaccount is only available when Guaranteed Income Advantage is elected at the time of application. Purchase payments may not be made directly to the GIS Subaccount. Allocations must be made pursuant to scheduled transfers from all other Subaccounts in which you have allocated assets. Any remaining transfers will come from the Guarantee Account. Gross Withdrawal -- For Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 and Lifetime Income Plus Solution, an amount withdrawn from Contract Value, including any surrender charge, any taxes withheld and any premium taxes assessed. Guarantee Account -- Part of our General Account that provides a guaranteed interest rate for a specified interest rate guarantee period. The Guarantee Account is not part of and does not depend on the investment performance of the Separate Account. The Guarantee Account is not available to contract owners who have elected Payment Optimizer Plus for as long as the rider is in effect. Guaranteed Income Advantage -- The marketing name for the Guaranteed Income Rider. This rider may be referred to by either name in this prospectus. Guaranteed Withdrawal Advantage -- The marketing name for the Guaranteed Minimum Withdrawal Benefit Rider, which is one of the Guaranteed Minimum Withdrawal Benefit Rider Options discussed in this prospectus. Guaranteed Withdrawal Advantage is not available for contracts issued on or after May 1, 2007. Home Office -- Our office located at 6610 West Broad Street, Richmond, Virginia 23230. 7 Income Start Date -- For Guaranteed Income Advantage, the date income payments begin from one or more segments pursuant to the terms of Guaranteed Income Advantage. For Principal Protection Advantage, the date income payments begin from one or more Payment Protection Plans pursuant to the terms of Principal Protection Advantage. Income Start Value -- For Principal Protection Advantage, the portion of Contract Value applied to a Payment Protection Plan that provides for monthly income as of the Income Start Date. Investment Strategy -- The Designated Subaccounts and/or Asset Allocation Model required for the Payment Protection Rider Options and the Guaranteed Minimum Withdrawal Benefit Rider Options. The Investment Strategy is required in order to receive the full benefit under these rider options. Lifetime Income Plus -- The marketing name for one of the Guaranteed Minimum Withdrawal Benefit for Life Riders, which is one of the Guaranteed Minimum Withdrawal Benefit Rider Options discussed in this prospectus. Lifetime Income Plus is not available for contracts issued on or after May 1, 2008. Lifetime Income Plus 2007 -- The marketing name for one of the Guaranteed Minimum Withdrawal Benefit for Life Riders, which is one of the Guaranteed Minimum Withdrawal Benefit Rider Options discussed in this prospectus. Lifetime Income Plus 2007 is not available for contracts issued on or after September 8, 2008. Lifetime Income Plus 2008 -- The marketing name for one of the Guaranteed Minimum Withdrawal Benefit for Life Riders, which is one of the Guaranteed Minimum Withdrawal Benefit Rider Options discussed in the prospectus. The rider may be issued with or without the Principal Protection Death Benefit. For purposes of this prospectus, references to Lifetime Income Plus 2008 include a rider issued with or without the Principal Protection Death Benefit, as applicable, unless stated otherwise. Lifetime Income Plus Solution -- The marketing name for one of the Guaranteed Minimum Withdrawal Benefit for Life Riders, which is one of the Guaranteed Minimum Withdrawal Benefit Rider Options discussed in the prospectus. The rider may be issued with or without the Principal Protection Death Benefit. For purposes of this prospectus, references to Lifetime Income Plus Solution include a rider issued with or without the Principal Protection Death Benefit, as applicable, unless stated otherwise. Maximum Anniversary Value -- For Lifetime Income Plus Solution, an amount used to calculate the benefit base for benefits provided under the rider. Payment Optimizer Plus -- The marketing name for the Payment Protection with Commutation Immediate and Deferred Variable Annuity Rider, which is one of the Payment Protection Rider Options discussed in this prospectus. Payment Optimizer Plus is not available for contracts issued after October 17, 2008. Payment Protection Plan -- A series of variable income payments that are provided pursuant to the terms of Payment Protection Advantage. Portfolio -- A division of a Fund, the assets of which are separate from other Portfolios that may be available in the Fund. Each Portfolio has its own investment objective. Not all Portfolios may be available in all states or markets. Principal Protection Advantage -- The marketing name for the Payment Protection Rider, which is one of the Payment Protection Rider Options discussed in this prospectus. Principal Protection Advantage is not available for contracts issued on or after May 1, 2007. Principal Protection Death Benefit -- The death benefit provided under Lifetime Income Plus 2008 and Lifetime Income Plus Solution, if elected at the time of application, for an additional charge. Purchase Payment Benefit Amount -- For Lifetime Income Plus Solution, an amount used to calculate the benefit base for benefits provided under the rider. Rider Death Benefit -- The death benefit payable under Lifetime Income Plus or Lifetime Income Plus 2007. Roll-Up Value -- An amount used to calculate the Withdrawal Limit for benefits provided under Lifetime Income Plus 2007 and Lifetime Income Plus 2008. For Lifetime Income Plus Solution, the Roll-Up Value is an amount used to calculate the benefit base for benefits provided under the rider. Separate Account -- Genworth Life & Annuity VA Separate Account 1, a separate investment account we established to receive Subaccount allocations. The Separate Account is divided into Subaccounts, each of which invests in shares of a separate Portfolio. Subaccount -- A division of the Separate Account which invests exclusively in shares of a designated Portfolio. Not all Subaccounts may be available in all states or markets. A Subaccount may be referred to as an Investment Subdivision in your contract and/or marketing materials. Surrender Value -- The value of your contract as of the date we receive your written request to surrender at our Home Office, less any applicable premium tax, annual contract charge, optional benefit charge and surrender charge. 8 Valuation Day -- Each day on which the New York Stock Exchange is open for regular trading, except for days that the Subaccount's corresponding Portfolio does not value its shares. Valuation Period -- The period that starts at the close of regular trading on the New York Stock Exchange on any Valuation Day and ends at the close of regular trading on the next succeeding Valuation Day. Withdrawal Base -- An amount used to establish the Withdrawal Limit for benefits provided under the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus Solution). Withdrawal Factor -- The percentage used to establish the Withdrawal Limit for benefits provided under the Guaranteed Minimum Withdrawal Benefit Rider Options. Withdrawal Limit -- The total amount that you may withdraw in a Benefit Year without reducing the benefit provided under the Guaranteed Minimum Withdrawal Benefit Rider Options. 9 FEE TABLES The following tables describe fees and expenses that you will pay when buying, owning or partially withdrawing assets or fully surrendering the contract. The first table describes the fees and expenses that you will pay when you buy the contract, take a partial withdrawal, fully surrender your contract, or transfer assets among the investment options. State premium taxes may also be deducted.

Contract Owner Transaction Expenses ----------------------------------------------------------------------------------------------------- Surrender Charge (as a percentage of purchase Number of Completed Surrender Charge payments partially withdrawn or surrendered) Years Since We Received as a Percentage of the the Purchase Payment Purchase Payment Partially Withdrawn or Surrendered/1,2/ -------------------------------------------------- 0 6% 1 6% 2 6% 3 6% 4 5% 5 4% 6 or more 0% ----------------------------------------------------------------------------------------------------- Transfer Charge $10.00/3/ -----------------------------------------------------------------------------------------------------

/1/A surrender charge is not assessed on any amounts representing gain. In addition, you may withdraw the greater of 10% of your total purchase payments or any amount withdrawn to meet minimum distribution requirements under the Code each contract year without incurring a surrender charge. If you are making a withdrawal from this contract to meet annual minimum distribution requirements under the Code, and the minimum distribution amount attributable to this contract for the calendar year ending at or before the last day of the contract year exceeds the free withdrawal amount, you may withdraw the difference free of surrender charges. The free withdrawal amount is not cumulative from contract year to contract year. The surrender charge will be taken from the amount withdrawn unless otherwise requested. If you purchased Payment Optimizer Plus, after the Annuity Commencement Date you may request to terminate your contract and the rider and receive the commuted value of your income payments in a lump sum (the "commutation value"). In calculating the commutation value, we assess a commutation charge. The amount of the commutation charge will be the surrender charge that would otherwise apply under the contract, in accordance with the surrender charge schedule. /2/Any partial withdrawals that are immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program are not subject to a surrender charge. /3/We currently do not assess a transfer charge. However, we reserve the right to assess a transfer charge for each transfer among the Subaccounts. 10 The next table describes the fees and expenses that you will pay periodically during the time you own the contract, not including Portfolio fees and expenses. The following charges apply to contracts issued on or after the later of May 1, 2006, or the date on which state insurance authorities approve applicable contract modifications. Periodic Charges Other Than Portfolio Expenses -------------------------------------------------------------------------------------------------- Annual Contract Charge $30.00/1/ -------------------------------------------------------------------------------------------------- Separate Account Annual Expenses (as a percentage of your average daily net assets in the Separate Account) -------------------------------------------------------------------------------------------------- Mortality and Expense Risk Charge 1.30% -------------------------------------------------------------------------------------------------- Administrative Expense Charge 0.15% -------------------------------------------------------------------------------------------------- Maximum Total Separate Account Annual Expenses 1.45% -------------------------------------------------------------------------------------------------- Living Benefit Rider Options/2/ (as a percentage of your average daily net assets in the Separate Account) -------------------------------------------------------------------------------------------------- Current Charge Maximum Charge/3/ --------------------------------------------------------- Guaranteed Withdrawal Advantage/4/ 0.50% 1.00% -------------------------------------------------------------------------------------------------- Lifetime Income Plus/5/ Single or Joint Annuitant Contract 1.25% 2.00% -------------------------------------------------------------------------------------------------- Lifetime Income Plus 2007/6/ Single or Joint Annuitant Contract 1.25% 2.00% -------------------------------------------------------------------------------------------------- Guaranteed Income Advantage 0.50% 0.50% -------------------------------------------------------------------------------------------------- Principal Protection Advantage/7/ 0.40% 1.00% -------------------------------------------------------------------------------------------------- Payment Optimizer Plus/8/ Single Annuitant Contract 0.50% 1.25% --------------------------------------------------------- Joint Annuitant Contract 0.65% 1.25% -------------------------------------------------------------------------------------------------- Living Benefit Rider Options/2,9/ -------------------------------------------------------------------------------------------------- Current Charge/10/ Maximum Charge/3,10/ --------------------------------------------------------- Lifetime Income Plus 2008 without the Principal Protection Death Benefit Single or Joint Annuitant Contract 1.25% of benefit base 2.00% of benefit base -------------------------------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 1.25% of benefit base plus 2.00% of benefit base plus 0.15% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit -------------------------------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 1.25% of benefit base plus 2.00% of benefit base plus 0.40% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit -------------------------------------------------------------------------------------------------- Current Charge/11/ Maximum Charge/3,11/ --------------------------------------------------------- Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 1.25% of benefit base 2.00% of benefit base -------------------------------------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 1.25% of benefit base plus 2.00% of benefit base plus 0.20% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit -------------------------------------------------------------------------------------------------- 11

Current Charge/11/ Maximum Charge/3,11/ --------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 1.25% of benefit base plus 2.00% of benefit base plus 0.50% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit -------------------------------------------------------------------------------------------------- Death Benefit Rider Options/12/ (as a percentage of your Contract Value at the time the charge is taken)/13/ -------------------------------------------------------------------------------------------------- Current Charge Maximum Charge/3/ --------------------------------------------------------- Annual Step-Up Death Benefit Rider Option 0.20% 0.20% -------------------------------------------------------------------------------------------------- 5% Rollup Death Benefit Rider Option 0.30% 0.30% -------------------------------------------------------------------------------------------------- Earnings Protector Death Benefit Rider Option 0.30% 0.30% -------------------------------------------------------------------------------------------------- Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option 0.70% 0.70% --------------------------------------------------------------------------------------------------

/1/This charge is taken on each contract anniversary and at the time the contract is surrendered. We will not assess this charge if your Contract Value is more than $40,000 at the time the charge is assessed. /2/None of the living benefit rider options may be elected together or in any combination. Only one may be elected and it must be elected at the time of application. Not all riders may be available in all states or in all markets. We reserve the right to discontinue offering these riders at any time and for any reason. /3/The maximum charge reflects the charge that the rider is guaranteed never to exceed. /4/Guaranteed Withdrawal Advantage is not available for contracts issued on or after May 1, 2007. /5/Lifetime Income Plus is not available for contracts issued on or after May 1, 2008. The current and maximum charges reflected in the fee table for Lifetime Income Plus are for those contracts that reset their Withdrawal Base on or after July 15, 2019. The current and maximum charges for Lifetime Income Plus for those contracts that have not reset their Withdrawal Base on or after July 15, 2019 are as follows:

Current Charge Maximum Charge ------------------------------- Lifetime Income Plus (as a percentage of your average daily net assets in the Separate Account) Single Annuitant Contract 0.60% 2.00% ----------------------------- Joint Annuitant Contract 0.75% 2.00% ------------------------------------------------------------------------

/6/Lifetime Income Plus 2007 is not available for contracts issued on or after September 8, 2008. The current and maximum charges reflected in the fee table for Lifetime Income Plus 2007 are for those contracts that reset their Withdrawal Base on or after July 15, 2019. The current and maximum charges for Lifetime Income Plus 2007 for those contracts that have not reset their Withdrawal Base on or after July 15, 2019 are as follows:

Current Charge Maximum Charge ------------------------------- Lifetime Income Plus 2007 (as a percentage of your average daily net assets in the Separate Account) Single Annuitant Contract 0.75% 2.00% ----------------------------- Joint Annuitant Contract 0.85% 2.00% ------------------------------------------------------------------------

/7/Principal Protection Advantage is not available for contracts issued on or after May 1, 2007. /8/Payment Optimizer Plus is not available for contracts issued after October 17, 2008. /9/You may purchase Lifetime Income Plus 2008 or Lifetime Income Plus Solution with or without the Principal Protection Death Benefit. We assess a charge for the guaranteed minimum withdrawal benefit provided by each rider. The charge for the guaranteed minimum withdrawal benefit is calculated quarterly as a percentage of the benefit base, as defined and determined under each rider, and deducted quarterly from the Contract Value. On the Contract Date, the benefit base equals the initial purchase payment. The benefit base will change and may be higher than the Contract Value on any given day. If you purchase Lifetime Income Plus 2008 or Lifetime Income Plus Solution with the Principal Protection Death Benefit, another charge will be assessed for the Principal Protection Death Benefit. The charge for the Principal Protection Death Benefit is calculated quarterly as a percentage of the value of the Principal Protection Death Benefit, as defined and determined under each rider, and deducted quarterly from the Contract Value. On the Contract Date, the value of the Principal Protection Death Benefit equals the initial purchase payment. The charge for the Principal Protection Death Benefit is higher if any Annuitant is age 71 or older at the time of application or when an Annuitant is added to the contract. 12 /10/The current and maximum charges reflected in the fee table for Lifetime Income Plus 2008 are for those contracts that reset their Withdrawal Base on or after December 3, 2012. The current and maximum charges for Lifetime Income Plus 2008 for those contracts that have not reset their Withdrawal Base on or after December 3, 2012 are as follows:

Current Charge Maximum Charge/3/ --------------------------------------------------------- Lifetime Income Plus 2008 without the Principal Protection Death Benefit Single Annuitant Contract 0.75% of benefit base 2.00% of benefit base --------------------------------------------------------- Joint Annuitant Contract 0.85% of benefit base 2.00% of benefit base -------------------------------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single Annuitant Contract 0.75% of benefit base plus 2.00% of benefit base plus 0.15% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit --------------------------------------------------------- Joint Annuitant Contract 0.85% of benefit base plus 2.00% of benefit base plus 0.15% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit -------------------------------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single Annuitant Contract 0.75% of benefit base plus 2.00% of benefit base plus 0.40% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit --------------------------------------------------------- Joint Annuitant Contract 0.85% of benefit base plus 2.00% of benefit base plus 0.40% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit --------------------------------------------------------------------------------------------------

/11/The current and maximum charges reflected in the fee table for Lifetime Income Plus Solution are for contracts issued on or after January 5, 2009 and that have reset their Maximum Anniversary Value on or after December 3, 2012. The current and maximum charges for Lifetime Income Plus Solution for contracts issued on or after January 5, 2009 and that have not reset their Maximum Anniversary Value on or after December 3, 2012 are as follows:

Current Charge Maximum Charge/3/ --------------------------------------------------------- Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 0.95% of benefit base 2.00% of benefit base -------------------------------------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 0.95% of benefit base plus 2.00% of benefit base plus 0.20% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit -------------------------------------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 0.95% of benefit base plus 2.00% of benefit base plus 0.50% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit --------------------------------------------------------------------------------------------------

The current and maximum charges for Lifetime Income Plus Solution for contracts issued before January 5, 2009 and that have reset their Maximum Anniversary Value on or after December 3, 2012 are as follows:

Current Charge Maximum Charge/3/ --------------------------------------------------------- Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 1.25% of benefit base 2.00% of benefit base -------------------------------------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 1.25% of benefit base plus 2.00% of benefit base plus 0.15% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit -------------------------------------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 1.25% of benefit base plus 2.00% of benefit base plus 0.40% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit --------------------------------------------------------------------------------------------------

13 The current and maximum charges for Lifetime Income Plus Solution for contracts issued before January 5, 2009 and that have not reset their Maximum Anniversary Value on or after December 3, 2012 are as follows:

Current Charge Maximum Charge/3/ --------------------------------------------------------- Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 0.85% of benefit base 2.00% of benefit base -------------------------------------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 0.85% of benefit base plus 2.00% of benefit base plus 0.15% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit -------------------------------------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 0.85% of benefit base plus 2.00% of benefit base plus 0.40% of value of Principal 0.50% of value of Principal Protection Death Benefit Protection Death Benefit --------------------------------------------------------------------------------------------------

/12/The Annual Step-Up Death Benefit Rider may be elected with Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 or Lifetime Income Plus Solution at the time of application. None of the other death benefit rider options are available with Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 or Lifetime Income Plus Solution. You may purchase the Earnings Protector Death Benefit Rider with either the Annual Step-Up Death Benefit Rider or the 5% Rollup Death Benefit Rider. You may not, however, purchase the Annual Step-Up Death Benefit Rider and the 5% Rollup Death Benefit Rider together or in any combination. The Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider may not be purchased with any other death benefit rider option. /13/All charges for the death benefit rider options are taken in arrears on each contract anniversary and at the time the contract is surrendered. 14 The next table describes the fees and expenses that you will pay periodically during the time you own the contract, not including Portfolio fees and expenses. The following charges apply to contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, but prior to May 1, 2006, or prior to the date on which state insurance authorities approve applicable contract modifications.

Periodic Charges Other Than Portfolio Expenses --------------------------------------------------------------------------- Annual Contract Charge $30.00/1/ --------------------------------------------------------------------------- Separate Account Annual Expenses (as a percentage of your average daily net assets in the Separate Account) --------------------------------------------------------------------------- Mortality and Expense Risk Charge 1.30% --------------------------------------------------------------------------- Administrative Expense Charge 0.15% --------------------------------------------------------------------------- Living Benefit Rider Option/2/ (as a percentage of your average daily net assets in the Separate Account) --------------------------------------------------------------------------- Current Charge Maximum Charge/4/ ---------------------------------- Guaranteed Withdrawal Advantage 0.50% 1.00% --------------------------------------------------------------------------- Lifetime Income Plus/3/ 1.25% 2.00% --------------------------------------------------------------------------- Guaranteed Income Advantage 0.50% 0.50% --------------------------------------------------------------------------- Principal Protection Advantage 0.40% 1.00% --------------------------------------------------------------------------- Death Benefit Rider Options/5/ (as a percentage of your Contract Value at the time the charge is taken)/6/ --------------------------------------------------------------------------- Current Charge Maximum Charge ---------------------------------- Annual Step-Up Death Benefit Rider Option 0.20% 0.20% --------------------------------------------------------------------------- 5% Rollup Death Benefit Rider Option 0.30% 0.30% --------------------------------------------------------------------------- Earnings Protector Death Benefit Rider Option 0.30% 0.30% --------------------------------------------------------------------------- Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option 0.70% 0.70% --------------------------------------------------------------------------- Current Maximum ---------------------------------- Maximum Total Separate Account Annual Expenses/7/ 2.65% 3.65% ---------------------------------------------------------------------------

/1/This charge is taken on each contract anniversary and at the time the contract is surrendered. We will not assess this charge if your Contract Value is more than $40,000 at the time the charge is assessed. /2/None of the living benefit rider options may be elected together or in any combination. Only one may be elected and it must be elected at the time of application. Not all riders may be available in all states or in all markets. We reserve the right to discontinue offering these riders at any time and for any reason. /3/The current and maximum charges reflected in the fee table for Lifetime Income Plus are for those contracts that reset their Withdrawal Base on or after July 15, 2019. The current and maximum charges for Lifetime Income Plus for those contracts that have not reset their Withdrawal Base on or after July 15, 2019 are 0.60% (current charge) and 2.00% (maximum charge), calculated as a percentage of average daily net assets in the Separate Account. /4/The maximum charge reflects the charge that the rider is guaranteed never to exceed. /5/The Annual Step-Up Death Benefit Rider may be elected with Lifetime Income Plus at the time of application. None of the other death benefit rider options are available with Lifetime Income Plus. /6/All charges for the optional death benefit riders are taken in arrears on each contract anniversary and at the time the contract is surrendered. /7/The Maximum Total Separate Account Annual Expenses for the current charges assume that the owner elects the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider and either Guaranteed Withdrawal Advantage or Guaranteed Income Advantage. The Maximum Total Separate Account Annual Expenses for the maximum charges assume that the owner elects the Annual Step-Up Death Benefit Rider and Lifetime Income Plus. If another combination of optional benefits is elected, or if no optional benefit is elected, the total Separate Account Annual Expenses would be lower. 15 The next table describes the fees and expenses that you will pay periodically during the time you own the contract, not including Portfolio fees and expenses. The following charges apply to contracts issued on or after the later of May 1, 2003, or the date on which state insurance authorities approve applicable contract modifications, but prior to April 29, 2005 or the date on which state insurance authorities approve applicable contract modifications.

Periodic Charges Other Than Portfolio Expenses --------------------------------------------------------------------------- Annual Contract Charge $30.00/1/ --------------------------------------------------------------------------- Separate Account Annual Expenses (as a percentage of your average daily net assets in the Separate Account) --------------------------------------------------------------------------- Mortality and Expense Risk Charge 1.30% --------------------------------------------------------------------------- Administrative Expense Charge 0.15% --------------------------------------------------------------------------- Living Benefit Rider Options/2/ (as a percentage of your average daily net assets in the Separate Account) --------------------------------------------------------------------------- Current Charge Maximum Charge/3/ ---------------------------------- Guaranteed Withdrawal Advantage 0.50% 1.00% --------------------------------------------------------------------------- Guaranteed Income Advantage 0.40% 0.50% --------------------------------------------------------------------------- Principal Protection Advantage 0.40% 1.00% --------------------------------------------------------------------------- Death Benefit Rider Options (as a percentage of your Contract Value at the time the charge is taken)/4/ --------------------------------------------------------------------------- Current Charge Maximum Charge ---------------------------------- Annual Step-Up Death Benefit Rider Option 0.20% 0.20% --------------------------------------------------------------------------- 5% Rollup Death Benefit Rider Option/5 / 0.30% 0.30% --------------------------------------------------------------------------- Earnings Protector Death Benefit Rider Option 0.30% 0.30% --------------------------------------------------------------------------- Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option/5/ 0.70% 0.70% --------------------------------------------------------------------------- Current Maximum ---------------------------------- Maximum Total Separate Account Annual Expenses/6/ 2.65% 3.15% ---------------------------------------------------------------------------

/1/This charge is taken on each contract anniversary and at the time the contract is surrendered. We will not assess this charge if your Contract Value is more than $40,000 at the time the charge is assessed. /2/None of the living benefit rider options may be elected together or in any combination. Only one may be elected and it must be elected at the time of the application. Not all riders may be available in all states or in all markets. We reserve the right to discontinue offering these riders at any time and for any reason. /3/The maximum charge reflects the charge that the rider is guaranteed never to exceed. /4/All charges for the death benefit rider options are taken in arrears on each contract anniversary and at the time the contract is surrendered. /5/The 5% Rollup Death Benefit Rider Option and the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option are not available for contracts issued on or after September 2, 2003 as a Funding Annuity under the Annuity Cross Funding Program. The Annuity Cross Funding Program is not available to contracts issued on or after August 17, 2004. /6/The Maximum Total Separate Account Annual Expenses for the current charges assume that the owner elects the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider and Guaranteed Withdrawal Advantage. The Maximum Total Separate Account Annual Expenses for the maximum charges assume that the owner elects the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Rider and either Guaranteed Withdrawal Advantage or Principal Protection Advantage. If another combination of optional benefits is elected, or if no optional benefit is elected, the total Separate Account Annual Expenses would be lower. For information concerning compensation paid for the sale of the contract, see the "Sale of the Contracts" provision of the prospectus. 16 The next item shows the minimum and maximum total annual operating expenses charged by the Portfolios for the year ended December 31, 2020. These are expenses that are deducted from Portfolio assets, which may include management fees, distribution and/or service (Rule 12b-1) fees, and other expenses. Portfolio expenses are the responsibility of the Portfolio or Fund. They are not fixed or specified under the terms of the contract and are not the responsibility of the Company. More detail concerning each Portfolio's fees and expenses appears in the prospectus for each Portfolio.

Annual Portfolio Expenses/1/ Minimum Maximum ------------------------------------------------------------------------------------------------- Total Annual Portfolio Operating Expenses (before fee waivers or reimbursements) 0.31% 1.84% -------------------------------------------------------------------------------------------------

/1/The Portfolio expenses used to prepare this table were provided to the Company by the Funds. The Company has not independently verified such information. The expenses shown are those incurred for the year ended December 31, 2020, or restated to reflect Portfolio expenses estimated for the current fiscal year, subject to possible adjustment for material changes. Current or future expenses may be greater or less than those shown. The range of expenses above does not show the effect of any fee waiver or expense reimbursement arrangements. The advisers and/or other service providers of certain Portfolios have agreed to waive their fees and/or reimburse the Portfolios' expenses in order to keep the Portfolios' expenses below specified limits. In some cases, these expense limitations are contractual. In other cases, these expense limitations are voluntary and may be terminated at any time. The minimum and maximum Total Annual Portfolio Operating Expenses for all the Portfolios after all fee waivers and expense reimbursements (whether voluntary or contractual) are 0.31% and 1.80%, respectively. Please see the prospectus for each Portfolio for information regarding the expenses for each Portfolio, including fee reduction and/or expense reimbursement arrangements, if applicable. 17 Examples For contracts issued on or after the later of May 1, 2006, or the date on which state insurance authorities approve applicable contract modifications, the following Examples apply: These Examples are intended to help you compare the costs of investing in the contract with the costs of investing in other variable annuity contracts. These costs include contract owner transaction expenses, contract and optional rider charges, and Portfolio fees and expenses. The Examples show the dollar amount of expenses you would bear directly or indirectly if you: . invested $10,000 in the contract for the time periods indicated; . earned a 5% annual return on your investment; . elected Lifetime Income Plus 2008 with the Principal Protection Death Benefit or Lifetime Income Plus Solution with the Principal Protection Death Benefit; . elected the Annual Step-Up Death Benefit Rider; and . surrendered your contract at the end of the stated period. Each Example assumes that the maximum fees and expenses of any of the Portfolios are charged. Your actual expenses may be higher or lower than those shown below. The Example does not include any taxes or tax penalties that may be assessed upon surrender of the contract.

Costs Based on Maximum Annual Portfolio Expenses ------------------------------------------------ 1 Year 3 Years 5 Years 10 Years ------ ------- ------- -------- $1,176 $2,468 $3,705 $6,802

The next Example uses the same assumptions as the prior Example, except that it assumes you decide to annuitize your contract at the end of the stated time period.

Costs Based on Maximum Annual Portfolio Expenses ------------------------------------------------ 1 Year 3 Years 5 Years 10 Years ------ ------- ------- -------- $528 $1,835 $3,171 $6,659

The next Example uses the same assumptions as the prior Example, except that it assumes you do not surrender your contract:

Costs Based on Maximum Annual Portfolio Expenses ------------------------------------------------ 1 Year 3 Years 5 Years 10 Years ------ ------- ------- -------- $645 $1,956 $3,298 $6,802

Please remember that you are looking at Examples and not a representation of past or future expenses. Your rate of return may be higher or lower than 5%, which is not guaranteed. The Examples do not assume that any Portfolio expense waivers or fee reimbursement arrangements are in effect for the periods presented. The above Examples assume: . Separate Account charges of 1.45% (deducted daily at an effective annual rate of the assets in the Separate Account); . an annual contract charge of $30 (assumed to be equivalent to 0.30% of the Contract Value); and . for Lifetime Income Plus 2008 with the Principal Protection Death Benefit or Lifetime Income Plus Solution with the Principal Protection Death Benefit, a charge of 2.00% of benefit base plus a charge of 0.50% of the value of the Principal Protection Death Benefit (deducted quarterly from Contract Value); and . a charge of 0.20% for the Annual Step-Up Death Benefit Rider (deducted annually as a percentage of the Contract Value). If the optional riders are not elected, the expense figures shown above would be lower. For contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, but prior to May 1, 2006, or prior to the date on which state insurance authorities approve applicable contract modifications, the following Examples apply: These Examples are intended to help you compare the costs of investing in the contract with the costs of investing in other variable annuity contracts. These costs include contract owner transaction expenses, contract and optional rider charges, and Portfolio fees and expenses. The Examples show the dollar amount of expenses you would bear directly or indirectly if you: . invested $10,000 in the contract for the time periods indicated; . earned a 5% annual return on your investment; . elected Lifetime Income Plus; . elected the Annual Step-Up Death Benefit Rider Option; and . surrendered your contract at the end of the stated period. Each Example assumes that the maximum fees and expenses of any of the Portfolios are charged. Your actual expenses may be 18 higher or lower than those shown below. The Example does not include any taxes or tax penalties that may be assessed upon surrender of the contract.

Costs Based on Maximum Annual Portfolio Expenses ------------------------------------------------ 1 Year 3 Years 5 Years 10 Years ------ ------- ------- -------- $1,113 $2,247 $3,276 $5,580

The next Example uses the same assumptions as the prior Example, except that it assumes you decide to annuitize your contract at the end of the stated time period.

Costs Based on Maximum Annual Portfolio Expenses ------------------------------------------------ 1 Year 3 Years 5 Years 10 Years ------ ------- ------- -------- $528 $1,672 $2,797 $5,534

The next Example uses the same assumptions as the prior Example, except that it assumes you do not surrender your contract:

Costs Based on Maximum Annual Portfolio Expenses ------------------------------------------------ 1 Year 3 Years 5 Years 10 Years ------ ------- ------- -------- $578 $1,721 $2,845 $5,580

Please remember that you are looking at Examples and not a representation of past or future expenses. Your rate of return may be higher or lower than 5%, which is not guaranteed. The Examples do not assume that any Portfolio expense waivers or fee reimbursement arrangements are in effect for the periods presented. The above Examples assume: . Separate Account charges of 1.45% (deducted daily at an effective annual rate of the assets in the Separate Account); . an annual contract charge of $30 (assumed to be equivalent to 0.30% of the Contract Value); . a maximum charge of 2.00% for Lifetime Income Plus (deducted daily at an effective annual rate of the assets in the Separate Account); and . a charge of 0.20% for the Annual Step-Up Death Benefit Rider Option (deducted annually as a percentage of Contract Value). If the rider options are not elected, the expense figures shown above would be lower. For contracts issued on or after the later of May 1, 2003, or the date on which state insurance authorities approve applicable contract modifications, but prior to April 29, 2005, or prior to the date on which state insurance authorities approve applicable contract modifications, the following Examples apply: These Examples are intended to help you compare the costs of investing in the contract with the costs of investing in other variable annuity contracts. These costs include contract owner transaction expenses, contract and optional rider charges, and Portfolio fees and expenses. The Examples show the dollar amount of expenses you would bear directly or indirectly if you: . invested $10,000 in the contract for the time periods indicated; . earned a 5% annual return on your investment; . elected Guaranteed Withdrawal Advantage or Principal Protection Advantage; . elected the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option; and . surrendered your contract at the end of the stated period. Each Example assumes that the maximum fees and expenses of any of the Portfolios are charged. Your actual expenses may be higher or lower than those shown below. The Example does not include any taxes or tax penalties that may be assessed upon surrender of the contract.

Costs Based on Maximum Annual Portfolio Expenses ------------------------------------------------ 1 Year 3 Years 5 Years 10 Years ------ ------- ------- -------- $1,069 $2,124 $3,083 $5,242

The next Example uses the same assumptions as the prior Example, except that it assumes you decide to annuitize your contract at the end of the stated time period.

Costs Based on Maximum Annual Portfolio Expenses ------------------------------------------------ 1 Year 3 Years 5 Years 10 Years ------ ------- ------- -------- $431 $1,489 $2,541 $5,144

The next Example uses the same assumptions as the prior Example, except that it assumes you do not surrender your contract:

Costs Based on Maximum Annual Portfolio Expenses ------------------------------------------------ 1 Year 3 Years 5 Years 10 Years ------ ------- ------- -------- $531 $1,589 $2,640 $5,242

19 Please remember that you are looking at Examples and not a representation of past or future expenses. Your rate of return may be higher or lower than 5%, which is not guaranteed. The Examples do not assume that any Portfolio expense waivers or fee reimbursement arrangements are in effect for the periods presented. The above Examples assume: . Separate Account Annual Expenses of 1.45% (deducted daily at an effective annual rate of the assets in the Separate Account); . an annual contract charge of $30 (assumed to be equivalent to 0.30% of the Contract Value); . a charge of 1.00% for Guaranteed Withdrawal Advantage or Principal Protection Advantage (deducted daily at an effective annual rate of the assets in the Separate Account); and . a charge of 0.70% for the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option (deducted annually as a percentage of the Contract Value). If the rider options are not elected, the expense figures shown above would be lower. SYNOPSIS What type of contract am I buying? The contract is an individual flexible premium variable deferred annuity contract. We may issue it as a contract qualified ("Qualified Contract") under the Code, or as a contract that is not qualified under the Code ("Non-Qualified Contract"). Because this contract may be used with certain tax qualified retirement plans that offer their own tax deferral benefit, you should consider purchasing the contract for a reason other than tax deferral if you are purchasing this contract as a Qualified Contract. This prospectus only provides disclosure about the contract. Certain features described in this prospectus may vary from your contract. See "The Contract" provision of this prospectus. How does the contract work? Once we approve your application, we will issue a contract to you. During the accumulation period you can use your purchase payments to buy Accumulation Units in the Separate Account or interests in the Guarantee Account. Should you decide to receive income payments (annuitize the contract or a portion thereof), we will convert all or a portion of the contract being annuitized from Accumulation Units to Annuity Units. You can choose fixed or variable income payments, unless you are taking income payments from the GIS Subaccount(s) pursuant to the election of Guaranteed Income Advantage or you are taking income payments pursuant to the election of one of the Payment Protection Rider Options. All income payments made from the GIS Subaccount(s) will be made in accordance with the terms of Guaranteed Income Advantage. All income payments made from a Payment Protection Rider Option will be made in accordance with the terms of the applicable Payment Protection Rider Option. If you choose variable income payments, we will base each periodic income payment upon the number of Annuity Units to which you became entitled at the time you decided to annuitize and on the value of each unit on the date the payment is determined. See "The Contract," the "Income Payments -- Guaranteed Income Advantage," and the "Income Payments -- Payment Protection Rider Options" provisions of this prospectus. What is the Separate Account? The Separate Account is a segregated asset account established under Virginia insurance law, and registered with the SEC as a unit investment trust. We allocate the assets of the Separate Account to one or more Subaccounts in accordance with your instructions. We do not charge the assets in the Separate Account with liabilities arising out of any other business we may conduct. Amounts you allocate to the Separate Account will reflect the investment performance of the Portfolios you select. You bear the risk of investment gain or loss with respect to amounts allocated to the Separate Account. See "The Separate Account" provision of this prospectus. What are my variable investment choices? Through its Subaccounts, the Separate Account uses your purchase payments to purchase shares, at your direction, in one or more of the Portfolios. In turn, each Portfolio holds securities consistent with its own particular investment objective. See "The Separate Account" provision of this prospectus. What is the Guarantee Account? We offer fixed investment choices through our Guarantee Account. The Guarantee Account is part of our General Account and pays interest at declared rates we guarantee for selected periods of time. We also guarantee the principal, after any deductions of applicable contract charges. Since the Guarantee Account is part of the General Account, we assume the risk of investment gain or loss on amounts allocated to it. The Guarantee Account is not part of and does not depend on the investment performance of the Separate Account. You may transfer assets between the Guarantee Account and the Separate Account subject to certain restrictions. The Guarantee Account may not be available in all states or all markets. In addition, the Guarantee Account is not available to contract owners who have elected Payment Optimizer Plus for as long as the rider is in effect. See the "Transfers" and "The Guarantee Account" provisions of this prospectus. 20 What charges are associated with this contract? Should you take a partial withdrawal or totally surrender your contract before your purchase payments have been in your contract for six full years, we will assess a surrender charge ranging from 6% to 2%, depending upon how many full years those payments have been in the contract. If your purchase payments have been in your contract for six full years, the surrender charge for those purchase payments reduces to 0%. You may also partially withdraw up to the greater of 10% of purchase payments or any amount withdrawn to meet minimum distribution requirements under the Code each contract year without being assessed a surrender charge. If you are making a withdrawal from this contract to meet annual minimum distribution requirements under the Code, and the minimum distribution amount attributable to this contract for the calendar year ending at or before the last day of the contract year exceeds the free withdrawal amount, you may withdraw the difference free of surrender charges. We will deduct amounts surrendered first from any gain in the contract and then from purchase payments made. We do not assess a surrender charge on any amounts withdrawn that represent gain. We may also waive the surrender charge in certain circumstances. See the "Surrender Charge" provision of this prospectus. We assess annual charges in the aggregate at an effective annual rate of 1.45% against the daily net asset value of the Separate Account. These charges consist of an administrative expense charge of 0.15% and a mortality and expense risk charge of 1.30%. There is also a $30 annual contract charge which we waive if the Contract Value is more than $40,000 at the time the charge is assessed. We also charge for the optional riders. For a complete discussion of the charges associated with the contract, see the "Charges and Other Deductions" provision of this prospectus. If your state assesses a premium tax with respect to your contract, then at the time we incur the tax (or at such other time as we may choose), we will deduct those amounts from purchase payments or the Contract Value, as applicable. See the "Charges and Other Deductions" and the "Deductions for Premium Taxes" provisions of this prospectus. There are also expenses associated with the Portfolios. These include management fees and other expenses associated with the daily operation of each Portfolio as well as Rule 12b-1 fees or service share fees, if applicable. See the "Fee Tables" provision of this prospectus. A Portfolio may also impose a redemption charge on Subaccount assets that are redeemed from the Portfolio in connection with a transfer. Portfolio expenses, including any redemption charges, are more fully described in the prospectus for each Portfolio. We pay compensation to broker-dealers who sell the contracts. For a discussion of this compensation, see the "Sale of the Contracts" provision of this prospectus. We offer other variable annuity contracts through the Separate Account (and our other separate accounts) that also invest in the same Portfolios (or many of the same) offered under the contract. These other contracts have different charges and may offer different benefits more suitable to your needs. To obtain more information about these contracts, including a prospectus, contact your registered representative or call (800) 352-9910. How much must I pay and how often? Subject to certain minimum and maximum payments, the amount and frequency of purchase payments are flexible. See "The Contract -- Purchase Payments" provision of this prospectus. How will my income payments be calculated? We will pay you a monthly income beginning on the Annuity Commencement Date (or the earlier of the Income Start Date and the Annuity Commencement Date if Guaranteed Income Advantage or Principal Protection Advantage is elected at the time of application) provided any Annuitant is still living on that date. You may also decide to take income payments under one of the Optional Payment Plans. We will base your initial payment on the Contract Value and other factors. See the "Income Payments" provision of this prospectus. What happens if I die before the Annuity Commencement Date? Before the Annuity Commencement Date, if an owner, joint owner or Annuitant dies while the contract is in force, we will treat the designated beneficiary as the sole owner of the contract, subject to certain distribution rules. We may pay a death benefit to the designated beneficiary. See the "Death of Owner and/or Annuitant" provision of this prospectus. May I transfer assets among Subaccounts and to and from the Guarantee Account? Yes, however there are limitations imposed by your contract on both the number of transfers that may be made per calendar year, as well as limitations on allocations. Riders elected by the contract owner may impose additional limitations on transfer rights. The minimum transfer amount is currently $100 or the entire balance in the Subaccount if the transfer will leave a balance of less than $100. Transfers among the Subaccounts, as well as to and from the Guarantee Account, may be subject to certain restrictions. See the "Transfers," "Income Payments -- Transfers After the Annuity Commencement Date," "Income Payments -- Guaranteed Income Advantage," and "The Guarantee Account" provisions of this prospectus. In addition, if you elect one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options (except for 21 Lifetime Income Plus 2008 and Lifetime Income Plus Solution), the benefits you receive under those riders may be reduced if, after a transfer, your assets are not allocated in accordance with the Investment Strategy as outlined in your rider. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate assets in accordance with the Investment Strategy. See the "Surrenders and Partial Withdrawals -- Guaranteed Minimum Withdrawal Benefit Rider Options," and "Income Payments -- Payment Protection Rider Options" provisions of this prospectus. May I surrender the contract or take partial withdrawals? Yes, subject to contract requirements and restrictions imposed under certain retirement plans. If you surrender the contract or take a partial withdrawal, we may assess a surrender charge as discussed above. In addition, you will ordinarily be subject to income tax (except for a qualified distribution from a Roth IRA) and, if you are younger than age 59 1/2 at the time of the surrender or partial withdrawal, a 10% IRS penalty tax. A surrender or a partial withdrawal may also be subject to tax withholding. See the "Tax Matters" provision of this prospectus. Certain withdrawals, depending on the amount and timing, may negatively impact the benefits and guarantees provided by your contract. For example, a partial withdrawal may reduce the death benefit by the proportion that the partial withdrawal (including any applicable surrender charge and premium tax) reduces your Contract Value. See the "Death of Owner and/or Annuitant" provision of this prospectus for more information. In addition, if you elect Guaranteed Income Advantage and you take a withdrawal from the GIS Subaccount(s), you will lose your right to make any additional scheduled transfers to that segment and your guaranteed income floor will be adjusted to reflect the withdrawal made. See the "Income Payments -- Guaranteed Income Advantage" provision of this prospectus. If you elect one of the Guaranteed Minimum Withdrawal Benefit Rider Options or one of the Payment Protection Rider Options, partial withdrawals may affect the benefit you receive under that rider. See the "Surrenders and Partial Withdrawals -- Guaranteed Minimum Withdrawal Benefit Rider Options," and the "Income Payments -- Payment Protection Rider Options" provisions of this prospectus. You should carefully consider whether a withdrawal under a particular circumstance will have any negative impact to your benefits or guarantees. The impact of withdrawals generally on your benefits and guarantees is discussed in the corresponding sections of the prospectus describing such benefits and guarantees. Do I get a free look at this contract? Yes, you have the right to return the contract to us at our Home Office at the address listed on page 1 of this prospectus, and have us cancel the contract within a certain number of days (usually 10 days from the date you receive the contract, but some states require different periods). If you exercise this right, we will cancel the contract as of the Valuation Day we receive your request and send you a refund equal to your Contract Value plus any charges we have deducted from purchase payments prior to their allocation to the Separate Account (and excluding any charges the Portfolios may have deducted) on or before the Valuation Day we received the returned contract at our Home Office. Or, if required by the law of your state, we will refund your purchase payments (less any withdrawals previously taken). See the "Return Privilege" provision of this prospectus for more information. What optional benefits are available under this contract? We offer several optional benefits by rider under this prospectus. The riders may not be available in all states or markets. The Living Benefit Rider Options. Five Guaranteed Minimum Withdrawal Benefit Rider Options are discussed in this prospectus: Guaranteed Withdrawal Advantage, Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 and Lifetime Income Plus Solution. Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 and Lifetime Income Plus Solution provide guaranteed withdrawals until the last death of an Annuitant, with upside potential, provided you meet certain conditions. Guaranteed Withdrawal Advantage provides guaranteed withdrawals, with upside potential, provided you meet certain conditions. To receive the full benefit provided by each of the Guaranteed Minimum Withdrawal Benefit Rider Options, you must allocate all purchase payments and Contract Value in accordance with the Investment Strategy prescribed by the particular rider. If you purchase Lifetime Income Plus 2008 or Lifetime Income Plus Solution, you must always allocate purchase payments and Contract Value in accordance with the Investment Strategy prescribed by that rider. Under certain circumstances, the benefit provided under the Guaranteed Minimum Withdrawal Benefit Rider Options may be reduced or lost. In addition, if you terminate the contract or rider, you will lose your benefit. Please see the "Surrenders and Partial Withdrawals -- Guaranteed Minimum Withdrawal Benefit Rider Options" provision of this prospectus for more information about the riders and their features. Guaranteed Income Advantage provides a guaranteed income benefit that is based on the amount of assets you invest in the GIS Subaccount(s). You may not allocate purchase payments or assets in your contract directly into the GIS Subaccount(s). 22 Rather, allocations to the GIS Subaccount(s) must be made through a series of scheduled transfers from other Subaccounts in which you have allocated assets. If income payments have not begun and you terminate the contract, you will lose your benefit. Please see the "Income Payments -- Guaranteed Income Advantage" provision of this prospectus for more information about the riders and their features. Finally, we discuss two Payment Protection Rider Options in this prospectus: Payment Optimizer Plus and Principal Protection Advantage. These riders provide for a guaranteed income benefit that is based on the amount of purchase payments you make to your contract. To receive the full benefit provided by either of the Payment Protection Rider Options, you must allocate all purchase payments and assets in your contract in accordance with the Investment Strategy prescribed by the particular rider. If income payments have not begun and you terminate the contract, you will lose your benefit. Please see the "Income Payments -- Payment Protection Rider Options" provision of this prospectus for more information about the rider and its features. Each of the riders offered in this prospectus is available at an additional charge if elected when you apply for the contract. The Death Benefit Rider Options. We offer the following four optional death benefits by rider in addition to the Basic Death Benefit provided under the contract: (i) the Annual Step-Up Death Benefit Rider; (ii) the 5% Rollup Death Benefit Rider; (iii) the Earnings Protector Death Benefit Rider; and (iv) the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider. Each of these optional death benefit riders is available at an additional charge if elected when you apply for the contract. The Basic Death Benefit is provided to you automatically and at no additional charge. Please see "The Death Benefit" provision of this prospectus for more information about these optional death benefit riders and their features. Are there any risks to purchasing one of the living benefit rider options or death benefit rider options? Guaranteed benefits provided under the living benefit rider options and death benefit rider options, as well as any other contractual guarantee, are guaranteed by the claims paying ability of the Company's General Account and our long-term ability to make payments. See the "Financial Condition of the Company" provision of this prospectus for more information. When are my allocations effective when purchasing this contract? Within two business days after we have received all of the information necessary to process your purchase order, we will allocate your initial purchase payment directly to the Guarantee Account and/or the Subaccounts that correspond to the Portfolios you choose. For contract owners that have elected one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution), all purchase payments must be allocated in accordance with the Investment Strategy as outlined in each rider in order to receive the full benefit provided by the rider. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate assets in accordance with the Investment Strategy. For contract owners that have elected Guaranteed Income Advantage, purchase payments may not be allocated directly to the GIS Subaccount(s), but must be made pursuant to scheduled transfers from all other Subaccounts in which you have allocated assets. Any remaining transfers will come from the Guarantee Account. See "The Contract -- Allocation of Purchase Payments," the "Surrenders and Partial Withdrawals -- Guaranteed Minimum Withdrawal Benefit Rider Options," the "Income Payments -- Guaranteed Income Advantage," and the "Income Payments -- Payment Protection Rider Options" provisions of this prospectus. What are the federal tax implications of my investment in the contract? Generally, all investment earnings under the contract are tax-deferred until withdrawn or until income payments begin. A distribution from the contract, which includes a full surrender or partial withdrawal or payment of a death benefit, will generally result in taxable income (except for a qualified distribution from a Roth IRA) if there has been an increase in the Contract Value. In certain circumstances, a 10% IRS penalty tax may also apply. All amounts includable in income with respect to the contract are taxed as ordinary income; no amounts are taxed at the special lower rates applicable to long term capital gains and corporate dividends. See the "Tax Matters" provision of this prospectus. CONDENSED FINANCIAL INFORMATION The value of an Accumulation Unit is determined on the basis of changes in the per share value of the Portfolios and the assessment of Separate Account charges which may vary from contract to contract. Please refer to the Statement of Additional Information for more information on the calculation of Accumulation Unit values. Please see Appendix B of this prospectus for tables of Accumulation Unit values. 23 THE COMPANY We are a stock life insurance company operating under a charter granted by the Commonwealth of Virginia on March 21, 1871. We principally offer life insurance policies and annuity contracts. We do business in 49 states, the District of Columbia and Bermuda. Our principal offices are at 6610 West Broad Street, Richmond, Virginia 23230. We are obligated to pay all amounts promised under the contract. Capital Brokerage Corporation serves as principal underwriter for the contracts and is a broker/dealer registered with the SEC. Genworth North America Corporation (formerly, GNA Corporation) directly owns the stock of Capital Brokerage Corporation and the Company. Genworth North America Corporation is indirectly owned by Genworth Financial, Inc., a public company. FINANCIAL CONDITION OF THE COMPANY Many financial services companies, including insurance companies, continue to face challenges in the persistent low interest rate environment of the past decade, and we are not immune to those challenges. We know it is important for you to understand how this market environment may impact your Contract Value and our ability to meet the guarantees under your contract. Assets in the Separate Account. You assume all of the investment risk for Contract Value allocated to the Subaccounts. Your Contract Value in the Subaccounts is part of the assets of the Separate Account. These assets may not be charged with liabilities arising from any other business that we may conduct. The assets of the Separate Account will, however, be available to cover the liabilities of our General Account to the extent that the Separate Account assets exceed the Separate Account liabilities arising under the contracts supported by it. This means that, with very limited exceptions, all assets in the Separate Account attributable to your Contract Value and that of all other contract owners would receive a priority of payment status over other claims in the event of an insolvency or receivership. See "The Separate Account" provision of this prospectus. Assets in the General Account. You also may be permitted to make allocations to the Guarantee Account, which is part of our General Account. In addition, any guarantees under the contract that exceed your Contract Value, such as those associated with the living benefit rider options or the death benefit rider options, are paid from our General Account (not the Separate Account). Therefore, any amounts that we may pay under the contract in excess of your value in the Separate Account are subject to our financial strength and claims-paying ability and our long-term ability to make such payments. We issue (or have issued) other types of insurance policies and financial products as well, and we also pay our obligations under these products from our assets in the General Account. In the event of an insolvency or receivership, payments we make from our General Account to satisfy claims under the contract would generally receive the same priority as our other policy holder obligations. This means that in the event of an insolvency or receivership, you may receive only a portion, or none, of the payments you are due under the contract. See "The Guarantee Account" provision of this prospectus. Our Financial Condition. As an insurance company, we are required by state insurance regulation to hold a specified amount of reserves in order to meet all the contractual obligations of our General Account to our contract owners. In order to meet our claims-paying obligations, we regularly monitor our reserves to ensure we hold sufficient amounts to cover actual or expected contract and claims payments. In addition, we actively hedge our investments in our General Account, while also requiring contract owners to allocate purchase payments to an Investment Strategy if a living benefit rider option has been elected. However, it is important to note that there is no guarantee that we will always be able to meet our claims paying obligations, and that there are risks to purchasing any insurance product. State insurance regulators also require insurance companies to maintain a minimum amount of capital, which acts as a cushion in the event that the insurer suffers a financial impairment, based on the inherent risks in the insurer's operations. These risks include those associated with losses that we may incur as the result of defaults on the payment of interest or principal on our General Account assets, which include, but are not limited to, bonds, mortgages, general real estate investments, and stocks, as well as the loss in value of these investments resulting from a loss in their market value. The market effects on our investment portfolio have caused us to re-evaluate product offerings. We continue to evaluate our investment portfolio to mitigate market risk and actively manage the investments in the portfolio. The Company is exposed to potential risks associated with the recent outbreak of the coronavirus pandemic. The COVID-19 pandemic has disrupted the global economy and financial markets, business operations, and consumer behavior and confidence. As a result, the Company could experience significant declines in asset valuations and potential material asset impairments, as well as unexpected changes in persistency rates, as policyholders and contract owners who are affected by 24 the COVID-19 pandemic may not be able to meet their contractual obligations, such as premium payments on their insurance policies. The COVID-19 pandemic has decreased historic low interest rates even further and could also significantly increase the Company's mortality and morbidity experience above the assumptions it used in pricing its insurance and investment products, all of which could result in higher reserve charges and an adverse impact to the Company's financial results. The COVID-19 pandemic could also disrupt medical and financial services and has resulted in Genworth Financial, Inc. practicing social distancing with its employees through office closures, all of which could disrupt the Company's normal business operations. While the ongoing impact of the COVID-19 pandemic is very difficult to predict, the related outcomes and impact on the Company will depend on the length and severity of the COVID-19 pandemic and shape of the economic recovery. The Company continues to monitor the COVID-19 pandemic developments and the potential financial impacts on its business. However, given the specific risks to its business, it is possible the COVID-19 pandemic will have a material adverse impact on the Company, including a material adverse effect on its financial condition and results of operations. How to Obtain More Information. We encourage both existing and prospective contract owners to read and understand our financial statements. We prepare our financial statements on a statutory basis. Our audited financial statements, as well as the financial statements of the Separate Account, are located in the Statement of Additional Information. If you would like a free copy of the Statement of Additional Information, call (800) 352-9910 or write to our Home Office at the address listed on page 1 of this prospectus. In addition, the Statement of Additional Information is available on our website at www.genworth.com or on the SEC's website at www.sec.gov. You may obtain our audited statutory financial statements and any unaudited statutory financial statements that may be available by visiting our website at www.genworth.com. You also will find on our website information on ratings assigned to us by one or more independent rating organizations. These ratings are opinions of an operating insurance company's financial capacity to meet the obligations of its insurance and annuity contracts based on its financial strength and/or claims-paying ability. THE SEPARATE ACCOUNT We established the Separate Account as a separate investment account on August 19, 1987. The Separate Account may invest in mutual funds, unit investment trusts, managed separate accounts, and other portfolios. We use the Separate Account to support the contract as well as for other purposes permitted by law. Currently, there are multiple Subaccounts of the Separate Account available under the contract. Each Subaccount invests exclusively in shares representing an interest in a separate corresponding Portfolio of the Funds. The assets of the Separate Account belong to us. Nonetheless, we do not charge the assets in the Separate Account attributable to the contracts with liabilities arising out of any other business which we may conduct. The assets of the Separate Account will, however, be available to cover the liabilities of our General Account to the extent that the assets of the Separate Account exceed its liabilities arising under the contracts supported by it. Income and both realized and unrealized gains or losses from the assets of the Separate Account are credited to or charged against the Separate Account without regard to the income, gains, or losses arising out of any other business we may conduct. Guarantees made under the contract, including any rider options, are based on the claims paying ability of the Company to the extent that the amount of the guarantee exceeds the assets available in the Separate Account. We registered the Separate Account with the SEC as a unit investment trust under the Investment Company Act of 1940 ("1940 Act"). The Separate Account meets the definition of a separate account under the federal securities laws. Registration with the SEC does not involve supervision of the management or investment practices or policies of the Separate Account by the SEC. You assume the full investment risk for all amounts you allocate to the Separate Account. If permitted by law, we may deregister the Separate Account under the 1940 Act in the event registration is no longer required; manage the Separate Account under the direction of a committee; or combine the Separate Account with one of our other separate accounts. Further, to the extent permitted by applicable law, we may transfer the assets of the Separate Account to another separate account. The Portfolios There is a separate Subaccount which corresponds to each Portfolio of a Fund offered in this contract. You select the Subaccounts to which you allocate purchase payments and Contract Value. In addition, you currently may change your future purchase payment allocation without penalty or charges. If you elect one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution), however, the benefits you receive under that rider may be reduced if your assets are not allocated in accordance with the Investment Strategy outlined in each rider. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate assets in 25 accordance with the Investment Strategy. In addition, there are limitations on the number of transfers that may be made each calendar year. See the "Transfers" provision of this prospectus for additional information. Each Fund is registered with the SEC as an open-end management investment company under the 1940 Act. The assets of each Portfolio are separate from other portfolios of a Fund and each Portfolio has separate investment objectives and policies. As a result, each Portfolio operates as a separate Portfolio and the investment performance of one Portfolio has no effect on the investment performance of any other Portfolio. Certain Portfolios may invest substantially all of their assets in portfolios of other funds. As a result, you will pay fees and expenses at both portfolio levels. This will reduce your investment return. These arrangements are referred to as "funds of funds" or "master-feeder funds." Funds of funds or master-feeder structures may have higher expenses than Portfolios that invest directly in debt or equity securities. Certain Portfolios may employ hedging strategies to provide for downside protection during sharp downward movements in equity markets. The cost of these hedging strategies could limit the upside participation of the Portfolio in rising equity markets relative to other Portfolios. You should consult with your registered representative to determine which combination of investment choices is appropriate for you. Before choosing a Subaccount to which you will allocate your purchase payments and Contract Value, carefully read the prospectus for each Portfolio, along with this prospectus. You may obtain the most recent prospectus for each Portfolio by calling us at (800) 352-9910, or writing us at 6610 West Broad Street, Richmond, Virginia 23230. You may also obtain copies of the prospectus for each Portfolio on our website at www.genworth.com, hover over "Customer Service" and then click on "Prospectuses." We summarize the investment objectives of each Portfolio below. There is no assurance that any Portfolio will meet its objective. We do not guarantee any minimum value for the amounts allocated to the Separate Account. You bear the investment risk of investing in the Subaccounts. The investment objectives and policies of certain Portfolios are similar to the investment objectives and policies of other portfolios that may be managed by the same investment adviser or manager. The investment results of the Portfolios, however, may be higher or lower than the results of such other portfolios. There can be no assurance, and no representation is made, that the investment results of any of the Portfolios will be comparable to the investment results of any other portfolio, even if the other portfolio has the same investment adviser or manager, or if the other portfolio has a similar name. 26 Subaccounts You may allocate purchase payments and Contract Value to Subaccounts that invest in the Portfolios listed below in addition to the Guarantee Account at any one time. For contract owners that have elected Guaranteed Income Advantage, you may not allocate purchase payments directly to the GIS Subaccount(s). Such allocations must be made pursuant to scheduled transfers from all other Subaccounts in which you have allocated assets. Any remaining transfers will come from the Guarantee Account. See the "Income Payments -- Guaranteed Income Advantage" provision of this prospectus. If you elect one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution), the benefits you receive under the rider may be reduced if your purchase payments and Contract Value are not allocated in accordance with the Investment Strategy outlined in each rider. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate purchase payments and Contract Value in accordance with the Investment Strategy. See the "Surrenders and Partial Withdrawals -- Guaranteed Minimum Withdrawal Benefit Rider Options" and "Income Payments -- Payment Protection Rider Options" provisions of this prospectus.

Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) ------------------------------------------------------------------------------------------------- AB VARIABLE PRODUCTS AB Balanced Wealth Strategy Seeks to achieve the highest AllianceBernstein, L.P. SERIES FUND, INC. Portfolio -- Class B total return consistent with the Adviser's determination of reasonable risk. ------------------------------------------------------------------------------------------------- AB Global Thematic Growth Long-term growth of capital. AllianceBernstein, L.P. Portfolio -- Class B ------------------------------------------------------------------------------------------------- AB Growth and Income Long-term growth of capital. AllianceBernstein, L.P. Portfolio -- Class B ------------------------------------------------------------------------------------------------- AB International Value Long-term growth of capital. AllianceBernstein, L.P. Portfolio -- Class B ------------------------------------------------------------------------------------------------- AB Large Cap Growth Long-term growth of capital. AllianceBernstein, L.P. Portfolio -- Class B ------------------------------------------------------------------------------------------------- AB Small Cap Growth Long-term growth of capital. AllianceBernstein, L.P. Portfolio -- Class B ------------------------------------------------------------------------------------------------- AIM VARIABLE INSURANCE Invesco V.I. American Franchise To seek capital growth. Invesco Advisers, Inc. FUNDS (INVESCO VARIABLE Fund -- Series I shares INSURANCE FUNDS) ------------------------------------------------------------------------------------------------- Invesco V.I. Capital Appreciation The Fund seeks capital Invesco Advisers, Inc. Fund -- Series II shares (formerly, appreciation. Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares) ------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Seeks capital growth and Invesco Advisers, Inc. Series II shares income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks. ------------------------------------------------------------------------------------------------- Invesco V.I. Conservative The Fund seeks total return. Invesco Advisers, Inc. Balanced Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares) ------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Long-term growth of capital. Invesco Advisers, Inc. Series I shares ------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Seeks both capital Invesco Advisers, Inc. Fund -- Series II shares appreciation and current income. -------------------------------------------------------------------------------------------------

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Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) -------------------------------------------------------------------------------------------------------- Invesco V.I. Global Fund -- The Fund seeks capital Invesco Advisers, Inc. Series II shares (formerly, Invesco appreciation. Oppenheimer V.I. Global Fund -- Series II Shares) -------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Long-term growth of capital. Invesco Advisers, Inc. Fund -- Series II shares -------------------------------------------------------------------------------------------------------- Invesco V.I. Main Street Fund(R) -- The Fund seeks capital Invesco Advisers, Inc. Series II shares (formerly, Invesco appreciation. Oppenheimer V.I. Main Street Fund(R) -- Series II Shares) -------------------------------------------------------------------------------------------------------- Invesco V.I. Main Street Small The Fund seeks capital Invesco Advisers, Inc. Cap Fund(R) -- Series II shares appreciation. (formerly, Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- Series II Shares) -------------------------------------------------------------------------------------------------------- AMERICAN CENTURY VP Inflation Protection Fund -- Pursues long-term total American Century Investment VARIABLE PORTFOLIOS II, Class II return using a strategy that Management, Inc. INC. seeks to protect against U.S. inflation. -------------------------------------------------------------------------------------------------------- BLACKROCK VARIABLE BlackRock Advantage SMID Cap Seeks long-term capital BlackRock Advisors, LLC SERIES FUNDS, INC. V.I. Fund -- Class III Shares growth. (formerly, BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares) -------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Seeks capital appreciation BlackRock Advisors, LLC Fund -- Class III Shares and, secondarily, income. -------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Seeks high total investment BlackRock Advisors, LLC Fund -- Class III Shares return. -------------------------------------------------------------------------------------------------------- COLUMBIA FUNDS VARIABLE Columbia Variable Portfolio -- The fund seeks long-term Columbia Management Investment SERIES TRUST II Overseas Core Fund -- Class 2 growth of capital. Advisers, LLC (subadvised by Threadneedle International Limited) -------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles The fund seeks long-term Columbia Management Investment Growth Fund -- Class 1 growth of capital. Advisers, LLC (subadvised by Loomis, Sayles & Company, L.P.) -------------------------------------------------------------------------------------------------------- EATON VANCE VARIABLE VT Floating-Rate Income Fund To provide a high level of Eaton Vance Management TRUST current income. -------------------------------------------------------------------------------------------------------- FEDERATED HERMES Federated Hermes High Income Seeks high current income. Federated Investment Management INSURANCE SERIES Bond Fund II -- Service Shares Company -------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Seeks capital appreciation. Federated Equity Management Fund II -- Service Shares Company of Pennsylvania (subadvised by Federated Global Investment Management Corp.) -------------------------------------------------------------------------------------------------------- FIDELITY(R) VARIABLE VIP Balanced Portfolio -- Seeks income and capital Fidelity Management & Research INSURANCE PRODUCTS FUND Service Class 2 growth consistent with Company LLC (FMR) (subadvised reasonable risk. by FMR Investment Management (UK) Limited (FMR UK), Fidelity Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity Management & Research (Japan) Limited (FMR Japan)) -------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Seeks long-term capital FMR (subadvised by FMR UK, Service Class 2 appreciation. FMR H.K., and FMR Japan) --------------------------------------------------------------------------------------------------------

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Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) ---------------------------------------------------------------------------------------------------- VIP Dynamic Capital Seeks capital appreciation. FMR (subadvised by FMR UK, Appreciation Portfolio -- FMR H.K., and FMR Japan) Service Class 2 ---------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Seeks reasonable income. The FMR (subadvised by FMR UK, Service Class 2 fund will also consider the FMR H.K., and FMR Japan) potential for capital appreciation. The fund's goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500(R) Index. ---------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Seeks to achieve capital FMR (subadvised by FMR UK, Service Class 2 appreciation. FMR H.K., and FMR Japan) ---------------------------------------------------------------------------------------------------- VIP Growth & Income Seeks high total return FMR (subadvised by FMR UK, Portfolio -- Service Class 2 through a combination of FMR H.K., and FMR Japan) current income and capital appreciation. ---------------------------------------------------------------------------------------------------- VIP Growth Opportunities The fund seeks to provide FMR (subadvised by FMR UK, Portfolio -- Service Class 2 capital growth. FMR H.K., and FMR Japan) ---------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Seeks as high a level of FMR (subadvised by FMR UK, Portfolio -- Service Class 2 current income as is FMR H.K., and FMR Japan) consistent with the preservation of capital. ---------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Seeks long-term growth of FMR (subadvised by FMR UK, Service Class 2 capital. FMR H.K., and FMR Japan) ---------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Seeks capital appreciation. FMR (subadvised by FMR UK, Service Class 2 FMR H.K., and FMR Japan) ---------------------------------------------------------------------------------------------------- FRANKLIN TEMPLETON Franklin Mutual Shares VIP Seeks capital appreciation, Franklin Mutual Advisers, LLC VARIABLE INSURANCE Fund -- Class 2 Shares with income as a secondary PRODUCTS TRUST goal. The fund normally invests primarily in U.S. and foreign equity securities that the manager believes are undervalued. ---------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Seeks long-term capital Templeton Global Advisors Limited Class 2 Shares growth. Under normal market conditions, the fund invests primarily in equity securities of companies located anywhere in the world, including developing markets. ---------------------------------------------------------------------------------------------------- GOLDMAN SACHS VARIABLE Goldman Sachs Government Maximum current income to the Goldman Sachs Asset Management, INSURANCE TRUST Money Market Fund -- extent consistent with the L.P. Service Shares/1/ preservation of capital and the maintenance of liquidity by investing exclusively in high quality money market instruments. ---------------------------------------------------------------------------------------------------- JANUS ASPEN SERIES Janus Henderson Balanced Seeks long-term capital Janus Capital Management LLC Portfolio -- Service Shares growth, consistent with preservation of capital and balanced by current income. ---------------------------------------------------------------------------------------------------- Janus Henderson Forty A non-diversified Janus Capital Management LLC Portfolio -- Service Shares portfolio/2/ that seeks long-term growth of capital. ----------------------------------------------------------------------------------------------------

/1/ There can be no assurance that the Goldman Sachs Government Money Market Fund will be able to maintain a stable net asset value per share. During extended periods of low interest rates, the yield on the Goldman Sachs Government Money Market Fund may become extremely low and possibly negative. /2/ A non-diversified portfolio is a portfolio that may hold a larger position in a smaller number of securities than a diversified portfolio. This means that a single security's increase or decrease in value may have a greater impact on the return and the net asset value of a non-diversified portfolio than a diversified portfolio. 29

Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) -------------------------------------------------------------------------------------------------- MFS(R) VARIABLE MFS(R) Total Return Series -- The fund's investment Massachusetts Financial Services INSURANCE TRUST Service Class Shares objective is to seek total Company return. -------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- The fund's investment Massachusetts Financial Services Service Class Shares objective is to seek total Company return. -------------------------------------------------------------------------------------------------- MFS(R) VARIABLE MFS(R) Massachusetts Investors The fund's investment Massachusetts Financial Services INSURANCE TRUST II Growth Stock Portfolio -- objective is to seek capital Company Service Class Shares appreciation. -------------------------------------------------------------------------------------------------- PIMCO VARIABLE All Asset Portfolio -- Seeks maximum real return, Pacific Investment Management INSURANCE TRUST Advisor Class Shares consistent with preservation Company LLC/Research Affiliates, of real capital and prudent LLC investment management. -------------------------------------------------------------------------------------------------- High Yield Portfolio -- Seeks maximum total return, Pacific Investment Management Administrative Class Shares consistent with preservation Company LLC of capital and prudent investment management. -------------------------------------------------------------------------------------------------- Long-Term U.S. Government Seeks maximum total return, Pacific Investment Management Portfolio -- Administrative consistent with preservation Company LLC Class Shares of capital and prudent investment management. -------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Seeks maximum total return, Pacific Investment Management Administrative Class Shares consistent with preservation Company LLC of capital and prudent investment management. -------------------------------------------------------------------------------------------------- Total Return Portfolio -- Seeks maximum total return, Pacific Investment Management Administrative Class Shares consistent with preservation Company LLC of capital and prudent investment management. -------------------------------------------------------------------------------------------------- THE PRUDENTIAL SERIES Natural Resources Portfolio -- Seeks long-term growth of PGIM Investments LLC (subadvised FUND Class II Shares capital. by Allianz Global Investors U.S. LLC) -------------------------------------------------------------------------------------------------- PGIM Jennison Focused Blend Seeks long-term growth of PGIM Investments LLC (subadvised Portfolio -- Class II Shares capital. by Jennison Associates LLC) (formerly, Jennison 20/20 Focus Portfolio -- Class II Shares) -------------------------------------------------------------------------------------------------- PGIM Jennison Growth Seeks long-term growth of PGIM Investments LLC (subadvised Portfolio -- Class II Shares capital. by Jennison Associates LLC) (formerly, Jennison Portfolio -- Class II Shares) -------------------------------------------------------------------------------------------------- STATE STREET VARIABLE Real Estate Securities V.I.S. Seeks maximum total return SSGA Funds Management, Inc. INSURANCE SERIES Fund -- Class 1 Shares through current income and (subadvised by CenterSquare FUNDS, INC. capital appreciation. Investment Management LLC) -------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Seeks long-term growth of SSGA Funds Management, Inc. Class 1 Shares capital. (subadvised by Palisade Capital Management, L.L.C., Champlain Investment Partners, LLC, GlobeFlex Capital, LP, Kennedy Capital Management, Inc. and SouthernSun Asset Management, Inc.) -------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund/1/ Seeks the highest total SSGA Funds Management, Inc. return, composed of current income and capital appreciation, as is consistent with prudent investment risk. -------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Seeks long-term growth of SSGA Funds Management, Inc. Class 1 Shares capital. --------------------------------------------------------------------------------------------------

/1/ For contracts issued on or after May 1, 2006, only Class 3 Shares of the Total Return V.I.S. Fund will be available. If your contract was issued prior to May 1, 2006, Class 1 Shares of the Total Return V.I.S. Fund are available. 30

Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) --------------------------------------------------------------------------------------------- WELLS FARGO VARIABLE Wells Fargo VT Omega Growth The fund seeks long-term Wells Fargo Funds Management, TRUST Fund -- Class 2 capital appreciation. LLC (subadvised by Wells Capital Management Incorporated) ---------------------------------------------------------------------------------------------

The following Portfolio is not available for new purchase payments or transfers or for new contracts issued on or after November 15, 2004:

Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) ----------------------------------------------------------------------------------------- JANUS ASPEN SERIES Janus Henderson Overseas Seeks long-term growth of Janus Capital Management LLC Portfolio -- Service Shares capital. -----------------------------------------------------------------------------------------

The following Portfolios are not available to contracts issued on or after May 1, 2006:

Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) --------------------------------------------------------------------------------------------------- FIDELITY(R) VARIABLE VIP Asset Manager/SM/ Portfolio -- Seeks to obtain high total FMR (subadvised by FMR UK, INSURANCE PRODUCTS FUND Service Class 2 return with reduced risk over FMR H.K., and FMR Japan) the long term by allocating its assets among stocks, bonds, and short-term instruments. --------------------------------------------------------------------------------------------------- GOLDMAN SACHS Goldman Sachs Mid Cap Value Seeks long-term capital Goldman Sachs Asset Management, VARIABLE INSURANCE TRUST Fund -- Institutional Shares appreciation. L.P. --------------------------------------------------------------------------------------------------- MFS(R) VARIABLE MFS(R) New Discovery Series -- The fund's investment Massachusetts Financial Services INSURANCE TRUST Service Class Shares objective is to seek capital Company appreciation. ---------------------------------------------------------------------------------------------------

The following Portfolios are not available to contracts issued on or after May 1, 2007:

Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) ----------------------------------------------------------------------------------------------------- AIM VARIABLE INSURANCE Invesco V.I. American Franchise To seek capital growth. Invesco Advisers, Inc. FUNDS (INVESCO VARIABLE Fund -- Series II shares INSURANCE FUNDS) ----------------------------------------------------------------------------------------------------- LEGG MASON PARTNERS ClearBridge Variable Dividend The fund seeks dividend Legg Mason Partners Fund Advisor, VARIABLE EQUITY TRUST Strategy Portfolio -- Class II income, growth of dividend LLC (subadvised by ClearBridge income and long-term capital Investments, LLC; Western Asset appreciation. Management Company manages the portion of the fund's cash and short term investments allocated to it) -----------------------------------------------------------------------------------------------------

The following Portfolios are not available to contracts issued on or after September 8, 2008:

Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) ------------------------------------------------------------------------------------------------- AIM VARIABLE INSURANCE Invesco V.I. American Value Long-term capital Invesco Advisers, Inc. FUNDS (INVESCO VARIABLE Fund -- Series II shares (formerly, appreciation. INSURANCE FUNDS) Invesco V.I. Value Opportunities Fund -- Series II shares) ------------------------------------------------------------------------------------------------- Invesco V.I. Discovery Mid Cap The Fund seeks capital Invesco Advisers, Inc. Growth Fund -- Series II shares appreciation. (formerly, Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- Series II Shares) ------------------------------------------------------------------------------------------------- BLACKROCK VARIABLE BlackRock Large Cap Focus Seeks long-term capital BlackRock Advisors, LLC SERIES FUNDS, INC. Growth V.I. Fund -- Class III growth. Shares -------------------------------------------------------------------------------------------------

31

Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) ------------------------------------------------------------------------------------------------------ LEGG MASON PARTNERS ClearBridge Variable Aggressive Seeks capital appreciation. Legg Mason Partners Fund Advisor, VARIABLE EQUITY TRUST Growth Portfolio -- Class II LLC (subadvised by ClearBridge Investments, LLC; Western Asset Management Company manages the portion of the fund's cash and short term investments allocated to it) ------------------------------------------------------------------------------------------------------ ClearBridge Variable Large Cap Seeks long-term growth of Legg Mason Partners Fund Advisor, Value Portfolio -- Class I capital. Current income is a LLC (subadvised by ClearBridge secondary objective. Investments, LLC; Western Asset Management Company manages the portion of the fund's cash and short term investments allocated to it) ------------------------------------------------------------------------------------------------------ MFS(R) VARIABLE MFS(R) Investors Trust Series -- The fund's investment Massachusetts Financial Services INSURANCE TRUST Service Class Shares objective is to seek capital Company appreciation. ------------------------------------------------------------------------------------------------------ RYDEX VARIABLE TRUST NASDAQ -- 100(R) Fund/1/ Seeks to provide investment Security Global Investors, LLC results that correspond to a known as Guggenheim Investments benchmark for over-the-counter securities. The portfolio's current benchmark is the NASDAQ 100 Index(TM). ------------------------------------------------------------------------------------------------------ STATE STREET VARIABLE Income V.I.S. Fund -- Seeks maximum income SSGA Funds Management, Inc. INSURANCE SERIES Class 1 Shares consistent with prudent FUNDS, INC. investment management and the preservation of capital. ------------------------------------------------------------------------------------------------------ Premier Growth Equity V.I.S. Seeks long-term growth of SSGA Funds Management, Inc. Fund -- Class 1 Shares capital and future income rather than current income. ------------------------------------------------------------------------------------------------------ S&P 500(R) Index V.I.S. Fund -- Seeks growth of capital and SSGA Funds Management, Inc. Class 1 Shares/2/ accumulation of income that corresponds to the investment return of the S&P 500(R) Index. ------------------------------------------------------------------------------------------------------

The following Portfolios are not available to contracts issued on or after January 5, 2009:

Adviser (and Sub-Adviser(s), Subaccount Investing In Investment Objective as applicable) -------------------------------------------------------------------------------------------------------- FRANKLIN TEMPLETON Franklin Allocation VIP Fund -- Seeks capital appreciation, with Franklin Advisers, Inc. VARIABLE INSURANCE Class 2 Shares income as a secondary goal. PRODUCTS TRUST -------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Seeks to maximize income while Franklin Advisers, Inc. Class 2 Shares maintaining prospects for capital appreciation. Under normal market conditions, the fund invests in a diversified portfolio of debt and equity securities. --------------------------------------------------------------------------------------------------------

/1/ The NASDAQ 100 Index(TM) is an unmanaged index that is a widely recognized indicator of OTC Market performance. /2/ "Standard & Poor's," "S&P," and "S&P 500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by State Street Global Advisors. The S&P 500(R) Index V.I.S. Fund is not sponsored, endorsed, sold or promoted by Standard & Poor's, and Standard & Poor's makes no representation or warranty, express or implied, regarding the advisability of investing in this portfolio or the Policy. 32 Not all of these Portfolios may be available in all states or in all markets. We will purchase shares of the Portfolios at net asset value and direct them to the appropriate Subaccounts. We will redeem sufficient shares of the appropriate Portfolios at net asset value to pay death benefits, surrender proceeds and partial withdrawals; to make income payments; or for other purposes described in the contract. We automatically reinvest all dividend and capital gain distributions of the Portfolios in shares of the distributing Portfolios at their net asset value on the date of distribution. In other words, we do not pay Portfolio dividends or Portfolio distributions out to owners as additional units, but instead reflect them in unit values. Shares of the Portfolios are not sold directly to the general public. They are sold to us, and they may also be sold to other insurance companies that issue variable annuity contracts and variable life insurance policies. In addition, they may be sold to retirement plans. When a Fund sells shares in any of its Portfolios both to variable annuity and to variable life insurance separate accounts, it engages in mixed funding. When a Fund sells shares in any of its Portfolios to separate accounts of unaffiliated life insurance companies, it engages in shared funding. Each Fund may engage in mixed and shared funding. Therefore, due to differences in redemption rates or tax treatment, or other considerations, the interests of various shareholders participating in a Fund could conflict. A Fund's Board of Directors will monitor for the existence of any material conflicts, and determine what action, if any, should be taken. See the prospectuses for the Portfolios for additional information. We reserve the right, subject to applicable law, to make additions, deletions and substitutions for the Portfolios of the Funds. We may substitute shares of other portfolios for shares already purchased, or to be purchased in the future, under the contract. This substitution might occur if shares of a Portfolio should no longer be available, or if investment in any Portfolio's shares should become inappropriate for the purposes of the contract, in the judgment of our management. The new Portfolios may have higher fees and charges than the ones they replaced. No substitution or deletion will be made without prior notice to you in accordance with the 1940 Act. We also reserve the right to establish additional Subaccounts, each of which would invest in a separate Portfolio of a Fund, or in shares of another investment company, with a specified investment objective. We may also eliminate one or more Subaccounts if, in our sole discretion, marketing, tax, or investment conditions warrant. We will not eliminate a Subaccount without prior notice to you and, if required, before approval of the SEC. Not all Subaccounts may be available to all classes of contracts. There are a number of factors that are considered when deciding what Portfolios are made available in your variable annuity contract. Such factors include: (1) the investment objective of the Portfolio; (2) the Portfolio's performance history; (3) the Portfolio's holdings and strategies it uses to try and meet its objectives; and (4) the Portfolio's servicing agreement. The investment objective is critical because we want to have Portfolios with diverse objectives so that an investor may diversify his or her investment holdings, from a conservative to an aggressive investment portfolio, depending on the advice of his or her investment adviser and risk assessment. There is no assurance, however, that a Portfolio will achieve its stated investment objective. When selecting a Portfolio for our products, we also consider the Portfolio's performance history compared to its peers and whether its holdings and strategies are consistent with its objectives. Please keep in mind that past performance does not guarantee future results. Finally, it is important for us to be able to provide you with a wide array of the services that facilitate your investment program relating to your allocation in Subaccounts that invest in the Portfolios. The Company does not provide investment advice and does not recommend or endorse any particular Subaccount or Portfolio. You bear the entire risk of any decline in your Contract Value resulting from the investment performance of the Subaccounts you have chosen. Payments from Funds and Fund Affiliates. We have entered into agreements with either the investment adviser or distributor of each of the Funds and/or, in certain cases, a Portfolio, under which the Portfolio, the adviser or distributor may make payments to us and/or to certain of our affiliates. We consider these payments and fees among a number of factors when deciding to add or keep a Portfolio on the menu of Portfolios that we offer through the contract. These payments may be made in connection with certain administrative and other services we provide relating to the Portfolios. Such administrative services we provide or obtain include but are not limited to: accounting transactions for variable owners and then providing one daily purchase and sale order on behalf of each Portfolio; providing copies of Portfolio prospectuses, Statements of Additional Information and any supplements thereto; forwarding proxy voting information, gathering the information and providing vote totals to the Portfolio on behalf 33 of our owners; and providing customer service on behalf of the Portfolios, including the provision of teleservicing support in connection with the Portfolios and the provision of office space, equipment, facilities and personnel as may be reasonably required or beneficial in order to provide these services to contract owners. The amount of the payments is based on a percentage of the average annual aggregate net amount we have invested in the Portfolio on behalf of the Separate Account and other separate accounts funding certain variable insurance contracts that we and our affiliates issue. These percentages differ, and some Portfolios, investment advisers or distributors pay us a greater percentage than other Portfolios, advisers or distributors based on the level of administrative and other services provided. The availability of these types of arrangements may create an incentive for us to seek and to add as an investment option under the contract funds or portfolios (and classes of shares of such portfolios) that pay us higher amounts. Other funds or portfolios (or available classes of shares of such portfolios) with substantially similar investment objectives may have lower fees and better overall investment performance than the Funds and Portfolios offered through your contract. We may realize a profit from payments received from a Portfolio or from the adviser and/or the distributor. We may use the proceeds of such payment to pay for the services described above or for any corporate purpose, including payment of expenses (i) that we and/or our affiliates incur in promoting, marketing and administering the contracts, and (ii) that we incur, in our role as intermediary, in maintaining the Portfolios as investment options and facilitating the Subaccounts' investment in the Portfolios. The amount received from certain Portfolios for the assets allocated to the Portfolios from the Separate Account during 2020 ranged from 0.10% to 0.25% of annualized average daily net assets. The Portfolios that pay a service fee to us are: Eaton Vance Variable Trust: VT Floating-Rate Income Fund PIMCO Variable Insurance Trust: All Asset Portfolio -- Advisor Class Shares High Yield Portfolio -- Administrative Class Shares Long-Term U.S. Government Portfolio -- Administrative Class Shares Low Duration Portfolio -- Administrative Class Shares Total Return Portfolio -- Administrative Class Shares The Prudential Series Fund: Natural Resources Portfolio -- Class II PGIM Jennison Focused Blend Portfolio -- Class II Shares (formerly, Jennison 20/20 Portfolio -- Class II) PGIM Jennison Growth Portfolio -- Class II Shares (formerly, Jennison Portfolio -- Class II) State Street Variable Insurance Series Funds, Inc.: Total Return V.I.S. Fund -- Class 1 Shares Total Return V.I.S. Fund -- Class 3 Shares Wells Fargo Variable Trust: Wells Fargo VT Omega Growth Fund -- Class 2 As noted above, an investment adviser or distributor of a Portfolio, or its affiliates, may make payments to us and/or certain of our affiliates. These payments may be derived, in whole or in part, from the profits the investment adviser or sub-adviser receives on the advisory fee deducted from Portfolio assets. Contract owners, through their indirect investment in the Portfolios, bear the costs of these advisory fees (see the prospectuses for the Portfolios for more information). The amount received from the adviser and/or the distributor for the assets allocated to the Portfolios from the Separate Account during 2020 ranged from 0.05% to 0.50%. Payment of these amounts is not an additional charge to you by the Funds or by us, but comes from the Fund's investment adviser or distributor. These payments may vary by Portfolio. Therefore, the amount of such payments paid to us may be greater or smaller based on the Portfolios you select. In addition to the asset-based payments for administrative and other services described above, the investment adviser or the distributor of the Fund may also pay us, or our affiliate Capital Brokerage Corporation, to participate in periodic sales meetings, for expenses relating to the production of promotional sales literature and for other expenses or services. The amount paid to us, or our affiliate Capital Brokerage Corporation, may be significant. Payments to participate in sales meetings may provide a Fund's investment adviser or distributor with greater access to our internal and external wholesalers to provide training, marketing support and educational presentations. In consideration of services provided and expenses incurred by Capital Brokerage Corporation in distributing shares of the Funds, Capital Brokerage Corporation also receives Rule 12b-1 fees from AB Variable Products Series Fund, Inc., AIM Variable Insurance Funds (Invesco Variable Insurance Funds), American Century Variable Portfolios II, Inc., BlackRock Variable Series Funds, Inc., Columbia Funds Variable Series Trust II, Eaton Vance Variable Trust, Federated Hermes Insurance Series, Fidelity Variable Insurance Products Fund, Franklin Templeton Variable Insurance Products Trust, 34 Goldman Sachs Variable Insurance Trust, Janus Aspen Series, Legg Mason Partners Variable Equity Trust, MFS(R) Variable Insurance Trust, MFS(R) Variable Insurance Trust II, PIMCO Variable Insurance Trust, The Prudential Series Fund, State Street Variable Insurance Series Funds, Inc., and Wells Fargo Variable Trust. See the "Fee Tables" section of this prospectus and the Fund prospectuses. These payments range up to 0.25% of Separate Account assets invested in the particular Portfolio. Certain Portfolios may accrue Rule 12b-1 fees at a higher rate (as disclosed in the prospectus for the Portfolio), but payments to us and/or Capital Brokerage Corporation may be made in a lower amount. Not all of the Portfolios may pay the same amount of Rule 12b-1 fees or shareholder servicing fees. Therefore, the amount of such fees paid to us and/or Capital Brokerage Corporation may be greater or smaller based on the Portfolios you select. Voting Rights As required by law, we will vote the shares of the Portfolios held in the Separate Account at special shareholder meetings based on instructions from you. However, if the law changes and we are permitted to vote in our own right, we may elect to do so. Whenever a Fund calls a shareholder meeting, owners with voting interests in a Portfolio will be notified of issues requiring the shareholders' vote as soon as possible before the shareholder meeting. Persons having a voting interest in the Portfolio will be provided with proxy voting materials, reports, other materials, and a form with which to give voting instructions. We will determine the number of votes which you have the right to cast by applying your percentage interest in a Subaccount to the total number of votes attributable to the Subaccount. In determining the number of votes, we will recognize fractional shares. We will vote Portfolio shares for which no instructions are received (or instructions are not received timely) in the same proportion to those that are received. Therefore, because of proportional voting, a small number of contract owners may control the outcome of a vote. We will apply voting instructions to abstain on any item to be voted on a pro-rata basis to reduce the number of votes eligible to be cast. Asset Allocation Program The following is a general description of the Asset Allocation Program available under the contract. A complete description is available in the brochure for the program. The program may be referred to as "Efficient Edge" in the brochure or other materials. General The Asset Allocation Program is an asset allocation service that we make available at no additional charge for use within the contract. Asset allocation is an investment strategy for distributing assets among asset classes to help attain an investment goal. For your contract, the Asset Allocation Program can help with decisions you need to make about how to allocate your Contract Value among available Subaccounts (and their corresponding Portfolios). The theory behind an asset allocation strategy is that diversification among asset classes can help reduce volatility over the long term. AssetMark, Inc. provides investment advice for the Asset Allocation Program. AssetMark is an investment adviser that is registered under the Investment Advisers Act of 1940. We may compensate AssetMark for services it provides related to the Asset Allocation Program. As part of the Asset Allocation Program, AssetMark has developed five asset allocation models ("Asset Allocation Models" or "Models"), each based on different profiles of an investor's investment time horizon and willingness to accept investment risk. Another Asset Allocation Model is a "build your own" Asset Allocation Model. We will refer to this Asset Allocation Model as the "Build Your Own Asset Allocation Model" when necessary to distinguish it from the other Asset Allocation Models. The distinguishing features of the Build Your Own Asset Allocation Model are discussed in the "Build Your Own Asset Allocation Model" provision below. The Asset Allocation Models are designed for use in two different circumstances, as discussed below. . Certain of the optional riders available for purchase under the contract are designed to provide protection against market downturns. To ensure that contract owners' assets protected under one of these riders are invested in accordance with an investment strategy involving an appropriate level of risk, we require the assets to be invested only in an Investment Strategy. For contract owners that purchase Lifetime Income Plus 2008 or Lifetime Income Plus Solution, the contract owner may elect Asset Allocation Model A, B, C, or D or the Build Your Own Asset Allocation Model (or invest in one or more of the Designated Subaccounts) as the Investment Strategy. A contract owner, however, may not elect Asset Allocation Model E. For contract owners that purchase one of the other Guaranteed Minimum Withdrawal Benefit Rider Options or one of the Payment Protection Rider Options, the contract owner may elect only Asset Allocation Model C (or invest in one or more of the Designated Subaccounts). Asset Allocation Model A, B, D, and E and the Build Your Own Asset Allocation Model are not available as Investment Strategies for these contract owners. 35 . Contract owners that do not purchase one of the Guaranteed Minimum Withdrawal Benefit Rider Options or one of the Payment Protection Rider Options may also elect to participate in the Asset Allocation Program. These contract owners may choose Asset Allocation Model A, B, C, D or E. The Build Your Own Asset Allocation Model, however, is not available to these contract owners. The Asset Allocation Program is not available to contract owners who have elected Guaranteed Income Advantage. If you elect to participate in the Asset Allocation Program, your initial purchase payment will be allocated to the Subaccounts corresponding to the Portfolios in the Asset Allocation Model you select. Any subsequent purchase payments you make will also be allocated accordingly, unless you instruct us otherwise in writing. The Build Your Own Asset Allocation Model works a little differently, as discussed in the "Build Your Own Asset Allocation Model" provision below. If you participate in the Asset Allocation Program, AssetMark will serve as your investment adviser solely for the purposes of the development of the Asset Allocation Models (except for the Build Your Own Asset Model) and periodic updates of the Models. The Asset Allocation Models are updated on a periodic basis (generally annually), as discussed below. If you elect to participate in the Asset Allocation Program, we will reallocate your Contract Value or purchase payments, as applicable, in accordance with the Model you select as it is updated from time to time based on limited discretionary authority that you grant to us, unless you instruct us otherwise. For more information on AssetMark's role as investment adviser for the Asset Allocation Program, you may review AssetMark's disclosure brochure, which will be delivered to you at the time you apply for a contract. Please contact us if you would like to receive a copy of this brochure. We may change the investment adviser that we use to develop and periodically update the Asset Allocation Models, or to the extent permissible under applicable law, use no investment adviser at all. We may perform certain administrative functions on behalf of AssetMark. However, we are not registered as an investment adviser and are not providing any investment advice in making the Asset Allocation Program available to contract owners. The Asset Allocation Models There are six Asset Allocation Models, each comprised of a carefully selected combination of Portfolios offered under the contract. Development of the Asset Allocation Models involves a multi-step process designed to optimize the selection of Portfolios, for a given level of risk tolerance, in an effort to maximize returns and limit the effects of market volatility. The discussion in this section generally applies to all of the Asset Allocation Models, although certain distinguishing features of the Build Your Own Asset Allocation Model are discussed in the "Build Your Own Asset Allocation Model" provision below. Asset allocation strategies reflect the theory that diversification among asset classes can help reduce volatility and potentially enhance returns over the long term. An asset class may be a category of investments having similar characteristics, such as stocks and other equity investments and bonds and other fixed income investments. There also may be further divisions within asset classes, such as divisions according to the size of the issuer (e.g., large cap, mid cap, or small cap), the type of issuer (e.g., government, municipal, or corporate), or the location of the issuer (e.g., domestic or foreign). AssetMark has identified target allocations, between equities and fixed income investments, for the level of risk, investment time horizon and investment objective specified for Asset Allocation Model A, B, C, D and E. To provide further diversification benefits beyond the broad asset class allocations, AssetMark conducts an optimization analysis to determine the appropriate allocations to sub-asset classes for each Asset Allocation Model. While, generally, AssetMark exercises its own broad discretion in allocating to sub-asset classes, we may require AssetMark to target certain levels of sub-asset class allocations in order to achieve a level of risk consistent with certain of our optional riders that require assets to be invested in an Investment Strategy, which may include one or more of the Asset Allocation Models. After the asset class and sub-asset class exposures have been identified for each Asset Allocation Model, a determination is made as to how available Portfolios can be used to implement the asset class allocations. Part of the allocation process used by AssetMark in determining the allocation to Portfolios in the Asset Allocation Models is an evaluation of the asset and/or sub-asset class(es) exposures presented by each Portfolio in order to combine Portfolios to arrive at the desired asset and sub-asset class allocation levels. The Portfolios considered by AssetMark are all those currently available for contributions of new purchase payments by all contract owners. AssetMark considers various factors in determining allocations to each Portfolio for each Asset Allocation Model, which may include historical style analysis and asset performance and multiple regression analyses, as well as qualitative assessments of a Portfolio's portfolio manager and expected future market and economic conditions. While Portfolios are not required to report their current securities holdings directly to AssetMark, this analysis is generally made based on the historic security holdings of the Portfolios as described in public documents. 36 In addition, AssetMark may consider (but is not obligated to follow) recommendations we may make regarding what Portfolios to use. These recommendations may be based on various factors, including whether the investment adviser or distributor of a Portfolio pays us a fee in connection with certain administrative and other services we provide relating to the Portfolio, and whether our affiliate Capital Brokerage Corporation receives Rule 12b-1 fees from the Portfolio. Based on this analysis, Portfolios are selected in a manner that is intended to optimize potential returns of each Model, given a particular level of risk tolerance. This process could, in some cases, result in the inclusion of a Portfolio in a Model based on its specific asset class exposure or other specific optimization factors, even when another Portfolio may have better investment performance. In addition, this may also result in the inclusion of Portfolios with higher fees that may adversely affect performance. Build Your Own Asset Allocation Model. The Build Your Own Asset Allocation Model allows for more flexibility than the other five Asset Allocation Models, enabling you, in consultation with your registered representative, to construct your own asset allocation that you believe best meets your individual investment objectives. We have constructed the Build Your Own Asset Allocation Model to require that you invest between 20% and 80% of your assets in the "Core" asset class, between 20% and 60% of your assets in the "Fixed Income" asset class, and no more than 20% of your assets in the "Specialty" asset class, for a total of 100% of assets invested in accordance with the Model. In constructing the parameters for the Build Your Own Asset Allocation Model, we defined the asset classes among which assets should be allocated, and determined an appropriate percentage range for each asset class. In making these determinations, our goal is to permit any asset allocation that is appropriate for contract owners with moderately conservative to moderately aggressive risk tolerance levels. AssetMark's role for the Build Your Own Asset Allocation Model is to make determinations as to how available Portfolios fit within each asset class. AssetMark considers various factors in assigning Portfolios to an asset class, which may include historical style analysis and asset performance and multiple regression analyses. As with the other Asset Allocation Models, AssetMark may be subject to certain conflicts of interests in categorizing the Portfolio for the Build Your Own Asset Allocation Model, including recommendations from us on which Portfolios to include in the Model or a specific asset class based on the fees we receive in connection with a Portfolio (see the discussion in "The Asset Allocation Models" provision above) and the need by certain Portfolios for additional assets (see the discussion in the "Risks" provision below). It is possible that such conflicts of interest could affect, among other matters, AssetMark's decisions as to which asset class to categorize a Portfolio. Periodic Updates of Asset Allocation Models and Notices of Updates Each of the Asset Allocation Models is evaluated periodically (generally annually) to assess whether the combination of Portfolios within each Model should be changed to better seek to optimize the potential return for the level of risk tolerance intended for the Model. As a result of such periodic analysis, each Model may change, such as by revising the percentages allocated to such Portfolio. In addition, Portfolios may be added to a Model (including Portfolios not currently available in the contract), or Portfolios may be deleted from a Model. We evaluate the Build Your Own Asset Allocation Model periodically to assess whether the asset allocation parameters should be changed to better ensure that resulting asset allocations are in an appropriate risk tolerance range. If, as a result of such periodic analysis, we determine that the Build Your Own Asset Allocation Model must change (for example by adding, removing or modifying asset classes or by changing the percentage range of investments allocable to an asset class), then we will make a new Build Your Own Asset Allocation Model available for new contract owners. AssetMark will also evaluate the Build Your Own Asset Allocation Model to assess whether the Portfolios are appropriately categorized within each asset class. As a result of this evaluation, AssetMark may determine that certain Portfolios should be placed in a different asset class or, perhaps, removed from the Model, or that other Portfolios should be added to the Model (including Portfolios not currently available in the contract). When your Asset Allocation Model is updated (as described below), we will reallocate your Contract Value (and subsequent purchase payments, if applicable) in accordance with any changes to the Model you have selected. This means the allocation of your Contract Value, and potentially the Portfolios in which you are invested, will change and your Contract Value (and subsequent purchase payments, if applicable) will be reallocated among the Portfolios in your updated Model (independently of monthly rebalancing, as discussed below). As discussed below, in the case of the Build Your Own Asset Allocation Model, it is possible that a change may be made to the Build Your Own Asset Allocation Model that will require a contract owner to provide us with new allocation instructions. 37 When Asset Allocation Models are to be updated, we will send you written notice of the updates to the Models at least 30 days in advance of the date the updated version of the Model is intended to be effective. Contract owners purchasing contracts who elect to participate in the Asset Allocation Program within the two week period prior to a date that Asset Allocation Models are to be updated, will be provided with information regarding the composition of both the current Asset Allocation Model as well as the proposed changes to the Model. You should carefully review these notices. If you wish to accept the changes to your selected Model, you will not need to take any action, as your Contract Value (and subsequent purchase payments, if applicable) will be reallocated in accordance with the updated Model. If you do not wish to accept the changes to your selected Model, you have the following alternatives. If you elected one of the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution, as discussed below) or one of the Payment Protection Rider Options, you can transfer your Contract Value to one or more of the Designated Subaccounts (as described in the sections of this prospectus discussing the riders), or you can notify us in writing that you have elected to reject the change. If you reject the change and, as a result, your total Contract Value is no longer invested in accordance with the prescribed Investment Strategy, your benefits under the applicable rider will be reduced by 50%. If you elected Lifetime Income Plus 2008 or Lifetime Income Plus Solution, you must transfer your Contract Value to one or more of the Designated Subaccounts (as described in the sections of this prospectus discussing the riders), or one of the other available Asset Allocation Models. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate assets in accordance with the Investment Strategy, and any attempt to allocate assets otherwise will be considered not in good order and rejected. Please note, also, that changes may be made to the Build Your Own Asset Allocation Model that will require contract owners whose existing allocations will not meet the parameters of the revised Model to provide us with new allocation instructions. For example, a Portfolio may be moved from one asset class to another or shares of a Portfolio may become unavailable under the contract or in the Model. If we do not receive new allocation instructions from the contract owner in these circumstances in a timely manner after we request such new instructions, the contract owner's assets will be re-allocated to Asset Allocation Model C until we receive new instructions. When a Portfolio in which your assets are invested is closed to new investments but remains in your contract, your investment in that Portfolio at the time of the closing will remain, and you will not be re-allocated to Asset Allocation Model C. However, any subsequent purchase payments or transfers requesting an allocation to such a Portfolio will be considered not in good order, and you will be asked to provide us with updated allocation instructions. If you did not elect one of the Guaranteed Minimum Withdrawal Benefit Rider Options or one of the Payment Protection Rider Options, you may change to a different Asset Allocation Model or reject the change. If you choose to reject a change in an Asset Allocation Model in accordance with the procedures described above, you create your own portfolio (a "self-directed portfolio"), you have terminated your advisory relationship with AssetMark and AssetMark provides no investment advice related to the creation of a self-directed portfolio. Further, once you have rejected a change in a Model, you are considered to have elected to reject all future changes in the Model. Therefore, if you reject a Model change and thereby create a self-directed portfolio, you will not receive a periodic review of or changes to your portfolio, as would be provided by AssetMark with respect to the Asset Allocation Models. You will, however, continue to receive a quarterly statement with information about your Contract Value, as well as written materials from AssetMark about any changes proposed to be made to the Models, and you can notify us in writing to allocate your Contract Value in accordance with such changes. Selecting An Asset Allocation Model For contract owners who have not elected one of the Guaranteed Minimum Withdrawal Benefit Rider Options or one of the Payment Protection Rider Options. If you purchase one of the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution, as discussed below) or one of the Payment Protection Rider Options and elect to participate in the Asset Allocation Program, you are required to allocate your Contract Value (and subsequent purchase payments, if applicable) to Asset Allocation Model C. If you purchased Lifetime Income Plus 2008 or Lifetime Income Plus Solution and elect to participate in the Asset Allocation Program, you must allocate your Contract Value (and subsequent purchase payments, if applicable) to Asset Allocation Model A, B, C, or D or the Build Your Own Asset Allocation Model. If you elect to participate in the Asset Allocation Program and you have not elected one of the Guaranteed Minimum Withdrawal Benefit Rider Options or one of the Payment Protection Rider Options, you must choose Asset Allocation Model A, B, C, D or E for your allocations. We will not make this decision, nor will AssetMark. The following paragraphs provide some information you may want to consider in making this decision. 38 You should consult with your registered representative and/or your financial adviser on your decision regarding which Asset Allocation Model to select. Your registered representative can assist you in determining which Model may be best suited to your financial needs, investment time horizon, and willingness to accept investment risk, and can help you complete the proper forms to participate in the Asset Allocation Program. You should also periodically review these factors with your registered representative to consider whether you should change Models (or, if you have purchased one of the Guaranteed Minimum Withdrawal Benefit Rider Options or one of the Payment Protection Rider Options, whether you should transfer your Contract Value to one or more of the Designated Subaccounts) to reflect any changes in your personal circumstances. Your registered representative can help you complete the proper forms to change to a different Model or transfer to Designated Subaccounts. In light of our potential payment obligations under the riders, we will not permit contract owners who have selected a rider to allocate their assets in either a highly aggressive or highly conservative manner. In deciding whether to purchase a rider, you and your registered representative should consider whether an asset allocation not permitted under the rider would best meet your investment objectives. You may, in consultation with your registered representative, utilize an investor profile questionnaire we make available, which asks questions intended to help you or your registered representative assess your financial needs, investment time horizon, and willingness to accept investment risk. However, even if you utilize the investor profile questionnaire, it is your decision, in consultation with your registered representative, which Model to choose initially or whether to change to a different Model or transfer to Designated Subaccounts, as the case may be, at a later time. Neither we nor AssetMark bear any responsibility for this decision. You may change to a different Model or transfer to Designated Subaccounts, as the case may be, at any time with a proper written request or by telephone or electronic instructions, provided a valid telephone/electronic authorization is on file with us. Monthly Rebalancing Each calendar month (on the "monthly anniversary" of your Contract Date), and on any Valuation Day after any transaction involving a withdrawal, receipt of a purchase payment or a transfer of Contract Value, we rebalance your Contract Value to maintain the Subaccounts and their corresponding Portfolios, and the relative percentages of the Subaccounts, for your selected Asset Allocation Model. This monthly rebalancing takes account of: . increases and decreases in Contract Value in each Subaccount due to Subaccount performance; and . increases and decreases in Contract Value in each Subaccount due to Subaccount transfers, withdrawals (particularly if taken from specific Subaccounts you have designated), and purchase payments (particularly if allocated to specific Subaccounts you have designated). The first monthly rebalancing will occur on the first "monthly anniversary" of the Contract Date. We will not rebalance self-directed portfolios (discussed above) unless the contract owner elects the Portfolio Rebalancing program. For self-directed portfolios, future purchase payments for which no specific allocation instructions are received will be allocated in accordance with the last allocation instructions we received, which may have been a prior version of their Asset Allocation Model. Accordingly, if you have a self-directed portfolio you should consider providing specific allocation instructions with each purchase payment or contacting us to update your default allocation instructions. Quarterly Reports If you elect to participate in the Asset Allocation Program, you will be sent quarterly reports that provide information about the Subaccounts within your Model, as part of your usual quarterly statement. Information concerning the current Models is provided below. Risks Although the Asset Allocation Models are designed to optimize returns given the various levels of risk, there is no assurance that a Model portfolio will not lose money or not experience volatility. Investment performance of your Contract Value could be better or worse by participating in an Asset Allocation Model than if you had not participated. A Model may perform better or worse than any single Portfolio, Subaccount or asset class or other combinations of Portfolios, Subaccounts or asset classes. Model performance is dependent upon the performance of the component Portfolios. Your Contract Value will fluctuate, and when redeemed, may be worth more or less than the original cost. An Asset Allocation Model may not perform as intended. Although the Models are intended to optimize returns given various levels of risk tolerance, portfolio, market and asset class performance may differ in the future from the historical performance and assumptions upon which the Models are 39 based, which could cause the Models to be ineffective or less effective in reducing volatility. Periodic updating of the Asset Allocation Models can cause the underlying Portfolios to incur transactional expenses to raise cash for money flowing out of the Portfolios or to buy securities with money flowing into the Portfolios. These expenses can adversely affect performance of the related Portfolios and the Models. AssetMark may be subject to competing interests that have the potential to influence its decision making with regard to the Asset Allocation Program. For example, the Company may believe that certain Portfolios could benefit from additional assets or could be harmed by redemptions. In addition, the Portfolios underlying the Subaccounts may invest, depending upon their investment objective and decisions by their investment managers, in securities issued by Genworth Financial, Inc., or its affiliates. AssetMark will not have any role in determining whether a Portfolio should purchase or sell Genworth securities. AssetMark may allocate portions of the Asset Allocation Models to Portfolios which have held, hold or may hold Genworth securities. AssetMark's decision to allocate a percentage of a Model to such a Portfolio will be based on the merits of investing in such a Portfolio and a determination that such an investment is appropriate for the Model. 40 The Models Information concerning the Asset Allocation Models is provided on the following pages. Effective close of business July 23, 2021, Asset Allocation Models A, B, C, D and E will be updated. Tables disclosing the Model percentage allocations and Portfolio selections for Asset Allocation Models A, B, C, D and E, before and after the update, are provided on the next two pages. You should review this information carefully before selecting or changing a Model.

Moderately Moderately Conservative Conservative Moderate Aggressive Aggressive Allocation Allocation Allocation Allocation Allocation "Model A" "Model B" "Model C" "Model D" "Model E" -------------------------------------------------------------------------------------------------------- Investor Profile -------------------------------------------------------------------------------------------------------- Investor is willing Investor is willing Investor is willing Investor is willing Investor is willing to accept a low to accept a low to to accept a to accept a to accept a high level of risk, has moderate level of moderate level of moderate to high level of risk, has a short term (less risk, has a risk, has a level of risk, has a long term (more than five years) moderately short moderately long a long term (15 to than 15 years) investment time term (less than ten term (10 to 20 20 years) investment time horizon and is years) investment years) investment investment time horizon and has the looking for an time horizon and is time horizon and is horizon and is temperament to ride investment that is looking for an looking for an looking for a out market swings. relatively stable investment to keep investment with the growth oriented in value. pace with inflation. opportunity for investment. long term moderate growth. -------------------------------------------------------------------------------------------------------- Investor Objective -------------------------------------------------------------------------------------------------------- High level of Growth and current Growth of capital Growth of capital Growth of capital. current income with income. Target with a low to but without the Target allocation preservation of allocation mix is moderate level of price swings of an mix is 100% capital. Target 40% equities and current income. all equity equities. allocation mix is 60% fixed income. Target allocation portfolio. Target 20% equities and mix is 60% equities allocation mix is 80% fixed income. and 40% fixed 80% equities and income. 20% fixed income. -------------------------------------------------------------------------------------------------------- Build Your Own Asset Allocation Model -------------------------------------------------------------------------------------------------------- The Build Your Own Asset Allocation Model is constructed, generally, to allow for the creation of an equity to fixed income allocation that ranges between 40% equities/60% fixed income to 80% equities/20% fixed income. These ranges generally fall within the Investor Profile and Investor Objective for Asset Allocation Model B (Moderately Conservative Allocation) on one end of the spectrum and for Asset Allocation Model D (Moderately Aggressive Allocation) on the other. Of course, the Investor Profile and Investor Objective that your allocation will most closely correspond to will depend on your actual allocation. --------------------------------------------------------------------------------------------------------

41 MODEL PERCENTAGE ALLOCATIONS AND PORTFOLIO SELECTIONS Current through July 23, 2021

Portfolios Model A Model B Model C Model D --------------------------------------------------------------------------------------------------------------------------- Equities --------------------------------------------------------------------------------------------------------------------------- Large Cap Growth Columbia CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 4% 9% 14% 18% --------------------------------------------------------------------------------------------- Fidelity VIP Growth Opportunities Portfolio -- Service Class 2 3% 7% 10% 13% --------------------------------------------------------------------------------------------------------------------------- Mid Cap Growth Federated Hermes Kaufmann Fund II -- Service Shares 1% 2% 2% 3% --------------------------------------------------------------------------------------------------------------------------- Small Cap Core Invesco V.I. Main Street Small Cap Fund(R) -- Series II shares 1% 1% 2% 3% --------------------------------------------------------------------------------------------------------------------------- Small Cap Growth AB Small Cap Growth Portfolio -- Class B 1% 1% 2% 3% --------------------------------------------------------------------------------------------------------------------------- Global Equity Fidelity VIP Equity-Income Portfolio -- Service Class 2 4% 9% 14% 18% --------------------------------------------------------------------------------------------- Invesco V.I. Global Fund -- Series II shares 3% 7% 10% 13% --------------------------------------------------------------------------------------------------------------------------- Foreign Large Cap Value AB International Value Portfolio -- Class B 1% 1% 2% 3% --------------------------------------------------------------------------------------------------------------------------- Natural Resources Prudential Series Natural Resources Portfolio -- Class II Shares 1% 2% 2% 3% --------------------------------------------------------------------------------------------------------------------------- Real Estate (U.S. REITs) State Street Real Estate Securities V.I.S. Fund -- Class 1 Shares 1% 1% 2% 3% --------------------------------------------------------------------------------------------------------------------------- Total % Equities 20% 40% 60% 80% --------------------------------------------------------------------------------------------------------------------------- Fixed Income --------------------------------------------------------------------------------------------------------------------------- Long Duration PIMCO VIT Long-Term U.S. Government Portfolio -- Administrative Class Shares 12% 9% 6% 3% --------------------------------------------------------------------------------------------------------------------------- Medium Duration Fidelity VIP Investment Grade Bond Portfolio -- Service Class 2 20% 15% 10% 5% --------------------------------------------------------------------------------------------- PIMCO VIT Total Return Portfolio -- Administrative Class Shares 16% 12% 8% 4% --------------------------------------------------------------------------------------------------------------------------- Short Duration PIMCO VIT Low Duration Portfolio -- Administrative Class Shares 20% 15% 10% 5% --------------------------------------------------------------------------------------------------------------------------- Treasury Inflation-Protected Securities American Century VP Inflation Protection Fund -- Class II 4% 3% 2% 1% --------------------------------------------------------------------------------------------------------------------------- Domestic High Yield PIMCO VIT High Yield Portfolio -- Administrative Class Shares 4% 3% 2% 1% --------------------------------------------------------------------------------------------------------------------------- Bank Loans Eaton Vance VT Floating-Rate Income Fund 4% 3% 2% 1% --------------------------------------------------------------------------------------------------------------------------- Total % Fixed Income 80% 60% 40% 20% ---------------------------------------------------------------------------------------------------------------------------

Portfolios Model E -------------------------------------------------------------------- -------------------------------------------------------------------- Columbia CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 23% -------------------------------------------------------------------- Fidelity VIP Growth Opportunities Portfolio -- Service Class 2 17% -------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares 4% -------------------------------------------------------------------- Invesco V.I. Main Street Small Cap Fund(R) -- Series II shares 3% -------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B 3% -------------------------------------------------------------------- Fidelity VIP Equity-Income Portfolio -- Service Class 2 23% -------------------------------------------------------------------- Invesco V.I. Global Fund -- Series II shares 17% -------------------------------------------------------------------- AB International Value Portfolio -- Class B 3% -------------------------------------------------------------------- Prudential Series Natural Resources Portfolio -- Class II Shares 4% -------------------------------------------------------------------- State Street Real Estate Securities V.I.S. Fund -- Class 1 Shares 3% -------------------------------------------------------------------- 100% -------------------------------------------------------------------- -------------------------------------------------------------------- PIMCO VIT Long-Term U.S. Government Portfolio -- Administrative Class Shares 0% -------------------------------------------------------------------- Fidelity VIP Investment Grade Bond Portfolio -- Service Class 2 0% -------------------------------------------------------------------- PIMCO VIT Total Return Portfolio -- Administrative Class Shares 0% -------------------------------------------------------------------- PIMCO VIT Low Duration Portfolio -- Administrative Class Shares 0% -------------------------------------------------------------------- American Century VP Inflation Protection Fund -- Class II 0% -------------------------------------------------------------------- PIMCO VIT High Yield Portfolio -- Administrative Class Shares 0% -------------------------------------------------------------------- Eaton Vance VT Floating-Rate Income Fund 0% -------------------------------------------------------------------- 0% --------------------------------------------------------------------

42 MODEL PERCENTAGE ALLOCATIONS AND PORTFOLIO SELECTIONS Effective after the close of business on July 23, 2021

Portfolios Model A Model B Model C Model D --------------------------------------------------------------------------------------------------------------------------- Equities --------------------------------------------------------------------------------------------------------------------------- Large Cap Growth Columbia CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 1% 1% 1% 1% --------------------------------------------------------------------------------------------- Fidelity VIP Contrafund(R) Portfolio -- Service Class 2 0% 1% 1% 1% --------------------------------------------------------------------------------------------------------------------------- Mid Cap Growth Federated Hermes Kaufmann Fund II -- Service Shares 1% 1% 1% 1% --------------------------------------------------------------------------------------------------------------------------- Large Cap Core Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 1% 1% 2% 3% --------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares 5% 10% 15% 20% --------------------------------------------------------------------------------------------- Invesco V.I. Main Street Fund(R) -- Series II shares 5% 10% 16% 22% --------------------------------------------------------------------------------------------------------------------------- Large Cap Value AB International Value Portfolio -- Class B 1% 2% 3% 4% --------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares 1% 3% 4% 5% --------------------------------------------------------------------------------------------- Fidelity VIP Equity-Income Portfolio -- Service Class 2 0% 1% 1% 1% --------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares 5% 10% 16% 22% --------------------------------------------------------------------------------------------------------------------------- Total % Equities 20% 40% 60% 80% --------------------------------------------------------------------------------------------------------------------------- Fixed Income --------------------------------------------------------------------------------------------------------------------------- Long Duration PIMCO VIT Long-Term U.S. Government Portfolio -- Administrative Class Shares 16% 12% 8% 3% --------------------------------------------------------------------------------------------------------------------------- Medium Duration Fidelity VIP Investment Grade Bond Portfolio -- Service Class 2 20% 14% 10% 5% --------------------------------------------------------------------------------------------- PIMCO VIT Total Return Portfolio -- Administrative Class Shares 20% 15% 10% 5% --------------------------------------------------------------------------------------------------------------------------- Short Duration PIMCO VIT Low Duration Portfolio -- Administrative Class Shares 16% 12% 8% 4% --------------------------------------------------------------------------------------------------------------------------- Treasury Inflation-Protected Securities American Century VP Inflation Protection Fund -- Class II 3% 3% 2% 1% --------------------------------------------------------------------------------------------------------------------------- Domestic High Yield PIMCO VIT High Yield Portfolio -- Administrative Class Shares 2% 2% 1% 1% --------------------------------------------------------------------------------------------------------------------------- Bank Loans Eaton Vance VT Floating-Rate Income Fund 3% 2% 1% 1% --------------------------------------------------------------------------------------------------------------------------- Total % Fixed Income 80% 60% 40% 20% ---------------------------------------------------------------------------------------------------------------------------

Portfolios Model E -------------------------------------------------------------------- -------------------------------------------------------------------- Columbia CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 2% -------------------------------------------------------------------- Fidelity VIP Contrafund(R) Portfolio -- Service Class 2 2% -------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares 2% -------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 3% -------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares 25% -------------------------------------------------------------------- Invesco V.I. Main Street Fund(R) -- Series II shares 27% -------------------------------------------------------------------- AB International Value Portfolio -- Class B 5% -------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares 6% -------------------------------------------------------------------- Fidelity VIP Equity-Income Portfolio -- Service Class 2 2% -------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares 26% -------------------------------------------------------------------- 100% -------------------------------------------------------------------- -------------------------------------------------------------------- PIMCO VIT Long-Term U.S. Government Portfolio -- Administrative Class Shares 0% -------------------------------------------------------------------- Fidelity VIP Investment Grade Bond Portfolio -- Service Class 2 0% -------------------------------------------------------------------- PIMCO VIT Total Return Portfolio -- Administrative Class Shares 0% -------------------------------------------------------------------- PIMCO VIT Low Duration Portfolio -- Administrative Class Shares 0% -------------------------------------------------------------------- American Century VP Inflation Protection Fund -- Class II 0% -------------------------------------------------------------------- PIMCO VIT High Yield Portfolio -- Administrative Class Shares 0% -------------------------------------------------------------------- Eaton Vance VT Floating-Rate Income Fund 0% -------------------------------------------------------------------- 0% --------------------------------------------------------------------

43 MODEL PERCENTAGE ALLOCATIONS AND PORTFOLIO SELECTIONS BUILD YOUR OWN ASSET ALLOCATION MODEL

Core Asset Class (20% to 80%) Specialty Asset Class (0% to 20%) Fixed Income Asset Class (20% to 60%) -------------------------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio AB Global Thematic Growth Portfolio -- Fidelity VIP Investment Grade Bond -- Class B Class B Portfolio -- Service Class 2 AB Growth and Income Portfolio -- AB International Value Portfolio -- PIMCO VIT Long-Term U.S. Government Class B Class B Portfolio -- Administrative BlackRock Basic Value V.I. Fund -- AB Small Cap Growth Portfolio -- Class B Class Shares Class III Shares American Century VP Inflation PIMCO VIT Low Duration Portfolio -- BlackRock Global Allocation V.I. Fund Protection Fund -- Class II Administrative Class Shares -- Class III Shares BlackRock Advantage SMID Cap V.I. Fund PIMCO VIT Total Return Portfolio -- Columbia CTIVP/SM/ -- Loomis Sayles -- Class III Shares Administrative Class Shares Growth Fund -- Class 1 Columbia Variable Portfolio -- Overseas Fidelity VIP Balanced Portfolio -- Core Fund -- Class 2 Service Class 2 Eaton Vance VT Floating-Rate Income Fund Fidelity VIP Contrafund(R) Portfolio -- Federated Hermes High Income Bond Fund Service Class 2 II -- Service Shares Fidelity VIP Equity-Income Portfolio -- Federated Hermes Kaufmann Fund II -- Service Class 2 Service Shares Fidelity VIP Growth & Income Portfolio Fidelity VIP Dynamic Capital -- Service Class 2 Appreciation Portfolio -- Service Franklin Templeton VIP Franklin Mutual Class 2 Shares VIP Fund -- Class 2 Shares Fidelity VIP Growth Portfolio -- Franklin Templeton VIP Templeton Growth Service Class 2 VIP Fund -- Class 2 Shares Fidelity VIP Growth Opportunities Invesco V.I. American Franchise Fund -- Portfolio -- Service Class 2 Series I shares Fidelity VIP Mid Cap Portfolio -- Invesco V.I. Capital Appreciation Fund Service Class 2 -- Series II shares Fidelity VIP Value Strategies Portfolio Invesco V.I. Comstock Fund -- Series II -- Service Class 2 shares Invesco V.I. Main Street Small Cap Invesco V.I. Conservative Balanced Fund Fund(R) -- Series II shares -- Series II shares Janus Henderson Forty Portfolio -- Invesco V.I. Core Equity Fund -- Series Service Shares I shares MFS(R) Utilities Series -- Service Invesco V.I. Equity and Income Fund -- Class Shares Series II shares PIMCO VIT All Asset Portfolio -- Invesco V.I. Global Fund -- Series II Advisor Class Shares shares PIMCO VIT High Yield Portfolio -- Invesco V.I. International Growth Fund Administrative Class Shares -- Series II shares Prudential Natural Resources Portfolio Invesco V.I. Main Street Fund(R) -- -- Class II Shares Series II shares Prudential PGIM Jennison Focused Blend Janus Henderson Balanced Portfolio -- Portfolio -- Class II Shares Service Shares Prudential PGIM Jennison Growth MFS(R) Total Return Series -- Service Portfolio -- Class II Shares Class Shares State Street Real Estate Securities State Street Total Return V.I.S. Fund V.I.S. Fund -- Class 1 Shares -- Class 3 Shares State Street Small-Cap Equity V.I.S. State Street U.S. Equity V.I.S. Fund -- Fund -- Class 1 Shares Class 1 Shares Wells Fargo VT Omega Growth Fund -- Class 2

44 THE GUARANTEE ACCOUNT Amounts in the Guarantee Account are held in, and are part of, our General Account. The General Account consists of our assets other than those allocated to this and other Separate Accounts. Subject to statutory authority, we have sole discretion over the investment of assets of the General Account. The assets of the General Account are chargeable with liabilities arising out of any business we may conduct. Due to certain exemptive and exclusionary provisions of the federal securities laws, we have not registered interests in the Guarantee Account under the Securities Act of 1933 (the "1933 Act"), and we have not registered either the Guarantee Account or our General Account as an investment company under the 1940 Act. Accordingly, neither our Guarantee Account nor our General Account is generally subject to regulation under the 1933 Act and the 1940 Act. Disclosures relating to the interests in the Guarantee Account and the General Account may, however, be subject to certain generally applicable provisions of the federal securities laws relating to the accuracy of statements made in a registration statement. The Guarantee Account may not be available in all states or markets. Generally, you may allocate your purchase payments and/or transfer assets to the Guarantee Account. For contracts issued on or after the later of September 2, 2003, or the date on which state insurance authorities approve applicable contract modifications, we may limit the amount that may be allocated to the Guarantee Account. Currently, for such contracts, no more than 25% of your Contract Value, as determined at the time of allocation, may be allocated to the Guarantee Account. In addition, where permitted by state law, we will refuse new purchase payments or transfers into the Guarantee Account when your assets in the Guarantee Account are equal to or greater than 25% of your Contract Value at the time of allocation. We generally exercise our right to limit or refuse allocations to the Guarantee Account when interest rate periods are low for prolonged periods of time. Amounts allocated to the Guarantee Account are credited interest (as described below). In addition, the Guarantee Account is not available to contract owners who have elected one of the Guaranteed Minimum Withdrawal Benefit Rider Options or Payment Protection Rider Options for as long as the rider is in effect. Assets in the Guarantee Account are subject to some, but not all, of the charges we assess in connection with your contract. See the "Charges and Other Deductions" provision of this prospectus. Each time you allocate purchase payments or transfer assets to the Guarantee Account, we establish an interest rate guarantee period. For each interest rate guarantee period, we guarantee an interest rate for a specified period of time. At the end of an interest rate guarantee period, a new interest rate will become effective, and a new interest rate guarantee period will commence for the remaining portion of that particular allocation. We determine the interest rates at our sole discretion. The determination made will be influenced by, but not necessarily correspond to, interest rates available on fixed income investments which we may acquire with the amounts we receive as purchase payments or transfers of assets under the contracts. You will have no direct or indirect interest in these investments. We also will consider other factors in determining interest rates for a guarantee period including, but not limited to, regulatory and tax requirements, sales commissions, and administrative expenses borne by us, general economic trends, and competitive factors. Amounts you allocate to the Guarantee Account will not share in the investment performance of our General Account. We cannot predict or guarantee the level of interest rates in future guarantee periods. However, the interest rates for any interest rate guarantee period will be at least the guaranteed interest rate shown in your contract. We will notify you in writing at least 5 days prior to the expiration date of any interest rate guarantee period about the then currently available interest rate guarantee periods and the guaranteed interest rates applicable to such interest rate guarantee periods. A new one year interest rate guarantee period will commence automatically unless we receive written notice prior to the end of the 30-day period following the expiration of the interest rate guarantee period ("30-day window") of your election of a different interest rate guarantee period from among those being offered by us at that time, or instructions to transfer all or a portion of the remaining amount to one or more Subaccounts, subject to certain restrictions. See the "Transfers" provision of this prospectus. During the 30-day window, the allocation will accrue interest at the new interest rate guarantee period's interest rate. To the extent permitted by law, we reserve the right at any time to offer interest rate guarantee periods that differ from those available when we issued the contract, and to credit a higher rate of interest on purchase payments allocated to the Guarantee Account participating in a Dollar Cost Averaging program that would otherwise be credited if not participating in a Dollar Cost Averaging program. See the "Dollar Cost Averaging Program" provision. Such a program may not be available to all contracts and is not available if you elect one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options and your assets are allocated in accordance with the Investment Strategy as prescribed by each rider. We also reserve the right, at any time, to stop accepting purchase payments or transfers of assets to a particular interest rate guarantee period. Since the specific interest rate guarantee periods available may change periodically, please contact our Home Office to determine the interest rate guarantee periods currently being offered. 45 CHARGES AND OTHER DEDUCTIONS We sell the contracts through registered representatives of broker-dealers. These registered representatives are also appointed and licensed as insurance agents of the Company. We pay commissions to the broker-dealers for selling the contracts. We intend to recover commissions, marketing, administrative and other costs of contract benefits, and other incentives we pay, through fees and charges imposed under the contracts and other corporate revenue. See the "Sale of the Contracts" provision of this prospectus. All of the charges described in this section apply to assets allocated to the Separate Account. Assets in the Guarantee Account are subject to all of the charges described in this section except for the mortality and expense risk charge and the administrative expense charge. We will deduct the charges described below to cover our costs and expenses, services provided, and risks assumed under the contracts. We incur certain costs and expenses for the distribution and administration of the contracts and for providing the benefits payable thereunder. Our administrative services include: . processing applications for and issuing the contracts; . maintaining records; . administering income payments; . furnishing accounting and valuation services (including the calculation and monitoring of daily Subaccount values); . reconciling and depositing cash receipts; . providing tax forms; . providing contract confirmations and periodic statements; . providing toll-free inquiry services; and . furnishing telephone and internet transaction services. The risks we assume include: . the risk that the death benefit will be greater than the Surrender Value; . the risk that withdrawals taken pursuant to a living benefit rider will be greater than the Surrender Value; . the risk that the actual life-span of persons receiving income payments under the contract will exceed the assumptions reflected in our guaranteed rates (these rates are incorporated in the contract and cannot be changed); . the risk that more owners than expected will qualify for waivers of the surrender charges; and . the risk that our costs in providing the services will exceed our revenues from contract charges (which cannot be changed by us). The amount of a charge may not necessarily correspond to the costs associated with providing the services or benefits indicated by the designation of the charge. For example, the surrender charge we collect may not fully cover all of the sales and distribution expenses we actually incur. We also may realize a profit on one or more of the charges. We may use any such profits for any corporate purpose, including the payment of sales expenses. Transaction Expenses Surrender Charge We assess a surrender charge on partial withdrawals and surrenders of purchase payments taken within the first six years of receipt, unless you meet an available exception as described below. You pay this charge to compensate us for the losses we experience on contract distribution costs. We calculate the surrender charge separately for each purchase payment. For purposes of calculating this charge, we assume that you withdraw purchase payments on a first-in, first-out basis. We deduct the surrender charge proportionately from the Subaccounts (excluding the GIS Subaccount(s) if Guaranteed Income Advantage is elected at the time of application). However, if there are insufficient assets in the Separate Account (excluding the GIS Subaccount(s) if Guaranteed Income Advantage is elected), we will deduct the charge proportionately from all assets in the Guarantee Account. The charge will be taken first from any six year interest rate guarantee periods to which you have allocated purchase payment and then from the one year interest rate guarantee periods on a first-in, first-out basis. If Guaranteed Income Advantage is elected, any remaining withdrawals will then be deducted from the GIS Subaccount(s) from the segment that has been in effect for the shortest period of time. The surrender charge is as follows:

Surrender Charge Number of Completed as a Percentage of Years Since We the Surrendered Received the or Withdrawn Purchase Payment Purchase Payment -------------------------------------- 0 6% 1 6% 2 6% 3 6% 4 5% 5 4% 6 or more 0% --------------------------------------

46 Exceptions to the Surrender Charge We do not assess the surrender charge: . on amounts of Contract Value representing gain (as defined below); . on free withdrawal amounts (as defined below); . on surrenders or partial withdrawals taken under Optional Payment Plan 1, Optional Payment Plan 2 (for a period of 5 or more years), or Optional Payment Plan 5; or . if a waiver of surrender charge provision applies. You may withdraw any gain in your contract free of any surrender charge. We calculate gain in the contract as: (a) plus (b) minus (c) minus (d), but not less than zero where: (a) is the Contract Value on the Valuation Day we receive your partial withdrawal or surrender request; (b) is the total of any withdrawals previously taken, including surrender charges assessed; (c) is the total of purchase payments made; and (d) is the total of any gain previously withdrawn. In addition to any gain, you may withdraw an amount equal to the greater of 10% of your total purchase payments or any amount withdrawn to meet minimum distribution requirements under the Code each contract year without a surrender charge (the "free withdrawal amount"). If you are making a withdrawal from this contract to meet annual minimum distribution requirements under the Code, and the minimum distribution amount attributable to this contract for the calendar year ending at or before the last day of the contract year exceeds the free withdrawal amount, you may withdraw the difference free of surrender charges. We will deduct amounts surrendered first from any gain in the contract and then from purchase payments made. The free withdrawal amount is not cumulative from contract year to contract year. The free withdrawal amount will not apply to commutation value taken under Payment Optimizer Plus. Further, we will waive the surrender charge if you annuitize the contract under Optional Payment Plan 1 (Life Income with Period Certain), Optional Payment Plan 2 (Income for a Fixed Period) provided that you select a fixed period of 5 years or more, or Optional Payment Plan 5 (Joint Life and Survivor Income). In addition, we will waive the surrender charges if you take income payments from the GIS Subaccount(s) pursuant to the terms of Guaranteed Income Advantage or if you take income payments pursuant to the terms of one of the Payment Protection Rider Option. We may also waive surrender charges for certain withdrawals made pursuant to one of the Guaranteed Minimum Withdrawal Benefit Rider Options. See the "Optional Payment Plans," "Surrenders and Partial Withdrawals -- Guaranteed Minimum Withdrawal Benefit Rider Options," "Income Payments -- Guaranteed Income Advantage," and "Income Payments -- Payment Protection Rider Options" provisions of this prospectus. We also will waive surrender charges arising from a surrender occurring before income payments begin if, at the time we receive the surrender request, we have received due proof that the Annuitant has a qualifying terminal illness, or has a qualifying confinement to a state licensed or legally operated hospital or inpatient nursing facility for a minimum period as set forth in the contract (provided the confinement began, or the illness was diagnosed, at least one year after the Contract Date). If you surrender the contract under the terminal illness waiver, please remember that we will pay your Contract Value, which could be less than the death benefit otherwise available. All Annuitants must be age 80 or younger on the Contract Date to be eligible for this waiver. The terms and conditions of the waivers are set forth in your contract. In addition, any partial withdrawals that are immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program are not subject to a surrender charge. Deductions from the Separate Account We deduct from the Separate Account an amount, computed daily, equal to an annual rate of 1.45% of the daily net assets of the Separate Account. The charge consists of an administrative expense charge at an effective annual rate of 0.15% and a mortality and expense risk charge at an effective annual rate of 1.30%. These deductions from the Separate Account are reflected in your Contract Value. Charges for the Living Benefit Rider Options Charge for Guaranteed Income Advantage We charge you for expenses related to Guaranteed Income Advantage, if you elect this option at the time of application. This charge is deducted from the Separate Account, computed daily. For contracts issued on or after the later of April 29, 2005 or the date on which state insurance authorities approve applicable contract modifications, the charge currently is equal to (and will never exceed) an annual rate of 0.50% of the daily net assets of the Separate Account. For contracts issued on or after the later of May 1, 2003 or the date on which state insurance authorities approve applicable contract modifications, but prior to April 29, 2005 or the date on which 47 state insurance authorities approve applicable contract modifications, the charge currently is equal to an annual rate of 0.40% (0.50% maximum) of the daily net assets of the Separate Account. The deduction from the Separate Account is reflected in your Contract Value. You may elect to receive monthly income under this rider or you may elect to transfer the value in the GIS Subaccount(s) to another investment option under your contract and receive income payments. If you elect to transfer the value in the GIS Subaccount(s) to another investment option and receive income payments, the rider charge will end. Guaranteed Income Advantage may not be available in all states or in all markets. We reserve the right to discontinue offering Guaranteed Income Advantage at any time and for any reason. Charges for the Guaranteed Minimum Withdrawal Benefit Rider Options We charge you for expenses related to Guaranteed Withdrawal Advantage, Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 and Lifetime Income Plus Solution. Each rider is a separate rider with a separate charge. You cannot purchase these riders together or in any combination. If you wish to elect any of the riders, you must do so at the time of application. Lifetime Income Plus Solution You may purchase Lifetime Income Plus Solution with or without the Principal Protection Death Benefit. We assess a charge for the guaranteed minimum withdrawal benefit provided by the rider. The charge for the guaranteed minimum withdrawal benefit is calculated quarterly as a percentage of the benefit base, as defined and determined under the rider, and deducted quarterly from the Contract Value. On the Contract Date, the benefit base equals the initial purchase payment. The benefit base will change and may be higher than the Contract Value on any given day. If you purchase Lifetime Income Plus Solution with the Principal Protection Death Benefit, then you will be assessed a charge for the Principal Protection Death Benefit that is in addition to the charge for the guaranteed minimum withdrawal benefit under the rider. The charge for the Principal Protection Death Benefit is calculated quarterly as a percentage of the value of the Principal Protection Death Benefit, as defined and determined under the rider, and deducted quarterly from the Contract Value. On the Contract Date, the value of the Principal Protection Death Benefit equals the initial purchase payment. The charge for the Principal Protection Death Benefit is higher if any Annuitant is age 71 or older at the time of application. If you reset your benefits under the rider, we will reset the charges for the rider, which may be higher than your previous charges. For contracts issued with Lifetime Income Plus Solution on or after January 5, 2009 and that have reset their Maximum Anniversary Value on or after December 3, 2012, we currently assess the following charges for the rider, calculated and deducted as described above: Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 1.25% of benefit base --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.20% of value of Principal Protection Death Benefit --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.50% of value of Principal Protection Death Benefit --------------------------------------------------------------------- For contracts issued with Lifetime Income Plus Solution on or after January 5, 2009 and that have not reset their Maximum Anniversary Value on or after December 3, 2012, we currently assess the following charges for the rider, calculated and deducted as described above: Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 0.95% of benefit base --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 0.95% of benefit base plus 0.20% of value of Principal Protection Death Benefit --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 0.95% of benefit base plus 0.50% of value of Principal Protection Death Benefit --------------------------------------------------------------------- For contracts issued with Lifetime Income Plus Solution before January 5, 2009 and that have reset their Maximum Anniversary Value on or after December 3, 2012, we currently assess the following charges for the rider, calculated and deducted as described above: Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 1.25% of benefit base ---------------------------------------------------------------------- 48 Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.15% of value of Principal Protection Death Benefit --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.40% of value of Principal Protection Death Benefit --------------------------------------------------------------------- For contracts issued with Lifetime Income Plus Solution before January 5, 2009 and that have not reset their Maximum Anniversary Value on or after December 3, 2012, we currently assess the following charges for the rider, calculated and deducted as described above: Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 0.85% of benefit base --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 0.85% of benefit base plus 0.15% of value of Principal Protection Death Benefit --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 0.85% of benefit base plus 0.40% of value of Principal Protection Death Benefit --------------------------------------------------------------------- The charges for Lifetime Income Plus Solution without the Principal Protection Death Benefit will never exceed 2.00% of benefit base. The charges for Lifetime Income Plus Solution with the Principal Protection Death Benefit will never exceed 2.00% of benefit base plus 0.50% of the value of the Principal Protection Death Benefit. On the day the rider and/or the contract terminates, the charges for this rider will be calculated, pro rata, and deducted. Because this contract is no longer offered and sold, Lifetime Income Plus Solution and the Principal Protection Death Benefit are no longer available to purchase under the contract. Lifetime Income Plus 2008 You may purchase Lifetime Income Plus 2008 with or without the Principal Protection Death Benefit. We assess a charge for the guaranteed minimum withdrawal benefit provided by the rider. The charge for the guaranteed minimum withdrawal benefit is calculated quarterly as a percentage of the benefit base, as defined and determined under the rider, and deducted quarterly from the Contract Value. On the Contract Date, the benefit base equals the initial purchase payment. The benefit base will change and may be higher than the Contract Value on any given day. If you purchase Lifetime Income Plus 2008 with the Principal Protection Death Benefit, then you will be assessed a charge for the Principal Protection Death Benefit that is in addition to the charge for the guaranteed minimum withdrawal benefit under the rider. The charge for the Principal Protection Death Benefit is calculated quarterly as a percentage of the value of the Principal Protection Death Benefit, as defined and determined under the rider, and deducted quarterly from the Contract Value. On the Contract Date, the value of the Principal Protection Death Benefit equals the initial purchase payment. The charge for the Principal Protection Death Benefit is higher if any Annuitant is age 71 or older at the time of application. For contracts that have not reset their Withdrawal Base on or after December 3, 2012, we also apply different charges for the rider for a single Annuitant contract and a Joint Annuitant contract. Once a contract is a Joint Annuitant contract and the Joint Annuitant rider charge is applied, the Joint Annuitant rider charge will continue while the rider is in effect. If a spouse is added as Joint Annuitant after the contract is issued, new charges may apply. These new charges may be higher than the charges previously applicable to your contract. If you reset your benefits under the rider, we will reset the charges for the rider, which may be higher than your previous charges. We currently assess the following charges for the rider, calculated and deducted as described above: We currently assess the following charges for the rider, calculated and deducted as described above, for those contracts that have reset their Withdrawal Base on or after December 3, 2012: Lifetime Income Plus 2008 without the Principal Protection Death Benefit Single or Joint Annuitant Contract 1.25% of benefit base -------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.15% of value of Principal Protection Death Benefit -------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.40% of value of Principal Protection Death Benefit -------------------------------------------------------------------------- 49 We currently assess the following charges for the rider, calculated and deducted as described above, for those contracts that have not reset their Withdrawal Base on or after December 3, 2012: Lifetime Income Plus 2008 without the Principal Protection Death Benefit Single or Joint Annuitant Contract 0.75% of benefit base -------------------------------------------------------------------------- Joint Annuitant Contract 0.85% of benefit base -------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single Annuitant Contract 0.75% of benefit base plus 0.15% of value of Principal Protection Death Benefit -------------------------------------------------------------------------- Joint Annuitant Contract 0.85% of benefit base plus 0.15% of value of Principal Protection Death Benefit -------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single Annuitant Contract 0.75% of benefit base plus 0.40% of value of Principal Protection Death Benefit -------------------------------------------------------------------------- Joint Annuitant Contract 0.85% of benefit base plus 0.40% of value of Principal Protection Death Benefit -------------------------------------------------------------------------- The charges for Lifetime Income Plus 2008 without the Principal Protection Death Benefit will never exceed 2.00% of benefit base. The charges for Lifetime Income Plus 2008 with the Principal Protection Death Benefit will never exceed 2.00% of benefit base plus 0.50% of the value of the Principal Protection Death Benefit. On the day the rider and/or the contract terminates, the charges for this rider will be calculated, pro rata, and deducted. Because this contract is no longer offered and sold, Lifetime Income Plus 2008 and the Principal Protection Death Benefit are no longer available to purchase under the contract. Lifetime Income Plus 2007 The charge for Lifetime Income Plus 2007 for those contracts that reset their Withdrawal Base on or after July 15, 2019 is equal to 1.25% of the daily net assets in the Separate Account for both single Annuitant and Joint Annuitant contracts. The charge for Lifetime Income Plus 2007 for those contracts that have not reset their Withdrawal Base on or after July 15, 2019 is equal to 0.75% of the daily net assets in the Separate Account for single Annuitant contracts and 0.85% of the daily net assets in the Separate Account for Joint Annuitant contracts. Once a contract is a Joint Annuitant contract, and the Joint Annuitant rider charge is applied, the Joint Annuitant rider charge will continue while the rider is in effect. The deduction for the rider charge from the Separate Account is reflected in your Contract Value. The charge for this rider continues even if you do not allocate assets in accordance with the prescribed Investment Strategy and the benefits you are eligible to receive are reduced. If you reset your benefit and allocate assets in accordance with the prescribed Investment Strategy available at that time, we will reset the charge for the rider, which may be higher than your previous charge, but will never exceed an annualized rate of 2.00% of your daily net assets in the Separate Account. As disclosed above, if you reset your benefit on or after July 15, 2019, the charge for the rider is 1.25% of your daily net assets in the Separate Account. Lifetime Income Plus 2007 is not available for contracts issued on or after September 8, 2008. Lifetime Income Plus For contracts issued on or after the later of October 7, 2005 or the date on which state insurance authorities approve applicable contract modifications, but prior to May 1, 2006 or the date on which state insurance authorities approve applicable contract modifications: The charge for Lifetime Income Plus for those contracts that reset their Withdrawal Base on or after July 15, 2019 is equal to 1.25% of the daily net assets in the Separate Account. The charge for Lifetime Income Plus for those contracts that have not reset their Withdrawal Base on or after July 15, 2019 is equal to 0.60% of the daily net assets in the Separate Account. For contracts issued on or after the later of May 1, 2006 or the date on which state insurance authorities approve applicable contract modifications: The charge for Lifetime Income Plus for those contracts that reset their Withdrawal Base on or after July 15, 2019 is equal to 1.25% of the daily net assets in the Separate Account for both single Annuitant and Joint Annuitant contracts. The charge for Lifetime Income Plus for those contracts that have not reset their Withdrawal Base on or after July 15, 2019 is equal to 0.60% of the daily net assets in the Separate Account for single Annuitant contracts and 0.75% of the daily net assets in the Separate Account for Joint Annuitant contracts. Once a contract is a Joint Annuitant contract, and the Joint Annuitant rider charge is applied, the Joint Annuitant rider charge will continue while the rider is in effect. The deduction for the rider charge from the Separate Account is reflected in your Contract Value. The charge for this rider continues even if you do not allocate assets in accordance with the prescribed Investment Strategy and the benefits you are eligible to receive are reduced. If you reset your benefit and allocate assets in accordance with the prescribed Investment 50 Strategy available at that time, we will reset the charge for the rider, which may be higher than your previous charge, but will never exceed an annualized rate of 2.00% of your daily net assets in the Separate Account. As disclosed above, if you reset your benefit on or after July 15, 2019, the charge for the rider is 1.25% of your daily net assets in the Separate Account. Lifetime Income Plus is not available for contracts issued on or after May 1, 2008. Guaranteed Withdrawal Advantage We assess a charge for Guaranteed Withdrawal Advantage equal to an annualized rate of 0.50% of the daily net assets of the Separate Account. The deduction from the Separate Account is reflected in your Contract Value. The charge for this rider continues even if you do not allocate assets in accordance with the prescribed Investment Strategy and the benefits you are eligible to receive are reduced. If you reset your benefit and allocate assets in accordance with the prescribed Investment Strategy available at that time, we will reset the charge for the rider, which may be higher than your previous charge, but will never exceed an annualized rate of 1.00% of your daily net assets in the Separate Account. Guaranteed Withdrawal Advantage is not available for contracts issued on or after May 1, 2007. Charges for the Payment Protection Rider Options We charge you for expenses related to Principal Protection Advantage and Payment Optimizer Plus. Each rider is a separate rider with a separate charge. You cannot purchase both riders together. If you wish to elect either Principal Protection Advantage or Payment Optimizer Plus, you must do so at the time of application. Principal Protection Advantage We assess a charge for Principal Protection Advantage currently equal to an annualized rate of 0.40% of the daily net assets of the Separate Account. The deduction for the rider charge from the Separate Account is reflected in your Contract Value and the value of your Annuity Units. The charge for this rider continues even if you do not allocate assets in accordance with the prescribed Investment Strategy and the benefits you are eligible to receive are reduced. If you reset your benefit and allocate assets in accordance with the prescribed Investment Strategy available at that time, we will reset the charge for the rider, which may be higher than your previous charge, but will never exceed an annual rate of 1.00%. Principal Protection Advantage is not available for contracts issued on or after May 1, 2007. Payment Optimizer Plus We assess a charge for Payment Optimizer Plus currently equal to an annualized rate of 0.50% of the daily net assets of the Separate Account for single Annuitant contracts and 0.65% of the daily net assets of the Separate Account for Joint Annuitant contracts. Once a contract is a Joint Annuitant contract, and the Joint Annuitant rider charge is applied, the Joint Annuitant rider charge will continue while the rider is in effect. The deduction for the rider charge from the Separate Account is reflected in your Contract Value and the value of your Annuity Units. The charge for this rider continues even if you do not allocate assets in accordance with the prescribed Investment Strategy and the benefits you are eligible to receive are reduced. If you reset your benefit and allocate assets in accordance with the prescribed Investment Strategy available at that time, we will reset the charge for the rider, which may be higher than your previous charge, but will never exceed an annual rate of 1.25%. If you purchased Payment Optimizer Plus, after the Annuity Commencement Date you may request to terminate your contract and the rider and (assuming the right to cancel period has ended) receive the commuted value of your income payments in a lump sum (the "commutation value"). In calculating the commutation value, we assess a commutation charge. The amount of the commutation charge will be the surrender charge that would otherwise apply under the contract, in accordance with the surrender charge schedule. Payment Optimizer Plus is not available for contracts issued after October 17, 2008. Charges for the Death Benefit Rider Options Charge for the Annual Step-Up Death Benefit Rider Option We charge you for expenses related to the Annual Step-Up Death Benefit Rider Option if you elect this option at the time of application. The Annual Step-Up Death Benefit Rider Option may not be elected if any Annuitant is 85 or older. We deduct this charge against your assets in the Separate Account at each contract anniversary and at surrender to compensate us for the increased risks and expenses associated with providing this death benefit rider. We will allocate the charge for the Annual Step-Up Death Benefit Rider Option among the Subaccounts in the same proportion that your assets in each Subaccount bear to your total assets in the Separate Account at the time we take the charge. If your assets in the Separate Account are not sufficient to cover the charge, we will deduct the charge first from your assets in the Separate Account, if any, and then from your assets in the Guarantee Account from the amounts that have been in 51 the Guarantee Account for the longest period of time. At surrender, we will charge you a pro-rata portion of the annual charge. The charge for the Annual Step-Up Death Benefit Rider Option is an annual rate of 0.20% of your Contract Value at the time of the deduction. Charge for the 5% Rollup Death Benefit Rider Option We charge you for expenses related to the 5% Rollup Death Benefit Rider Option if you elect this option at the time of application. We deduct this charge against your assets in the Separate Account at each contract anniversary and at surrender to compensate us for the increased risks and expenses associated with providing this death benefit rider. We will allocate the charge for the 5% Rollup Death Benefit Rider Option among the Subaccounts in the same proportion that your assets in each Subaccount bear to your total assets in the Separate Account at the time we take the charge. If your assets in the Separate Account are not sufficient to cover the charge, we will deduct the charge first from your assets in the Separate Account, if any, and then from your assets in the Guarantee Account from the amounts that have been in the Guarantee Account for the longest period of time. At surrender, we will charge you a pro-rata portion of the annual charge. The charge for the 5% Rollup Death Benefit Rider Option is 0.30% of your Contract Value at the time of the deduction. The 5% Rollup Death Benefit Rider Option is not available for contracts issued on or after September 2, 2003 as a Funding Annuity under the Annuity Cross Funding Program. Charge for the Earnings Protector Death Benefit Rider Option We charge you for expenses related to the Earnings Protector Death Benefit Rider Option if you elect this option at the time of application. We deduct this charge against your assets in the Separate Account on each contract anniversary and at surrender to compensate us for the increased risks and expenses associated with providing this death benefit rider. We will allocate the charge for the Earnings Protector Death Benefit Rider Option among the Subaccounts in the same proportion that your assets in each Subaccount bear to your total assets in the Separate Account at the time we take the charge. If your assets in the Separate Account are not sufficient to cover the charge, we will deduct the charge first from your assets in the Separate Account, if any, and then from your assets in the Guarantee Account from the amounts that have been in the Guarantee Account for the longest period of time. At surrender we will charge you a pro-rata portion of the annual charge. The charge for the Earnings Protector Death Benefit Rider Option is 0.30% of your Contract Value at the time of the deduction. Charge for Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option We charge you for expenses related to the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option if you elect this option at the time of application. We deduct this charge against your assets in the Separate Account on each contract anniversary and at surrender to compensate us for the increased risks and expenses associated with providing this death benefit rider. We will allocate the charge for the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option among the Subaccounts in the same proportion that your assets in each Subaccount bear to your total assets in the Separate Account at the time we take the charge. If your assets in the Separate Account are not sufficient to cover the charge, we will deduct the charge first from your assets in the Separate Account, if any, and then from your assets in the Guarantee Account from the amounts that have been in the Guarantee Account for the longest period of time. At surrender, we will charge you a pro-rata portion of the annual charge. The charge for the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option is 0.70% of your Contract Value at the time of the deduction. The Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option is not available for contracts issued on or after September 2, 2003 as a Funding Annuity under the Annuity Cross Funding Program. Other Charges Annual Contract Charge We will deduct an annual contract charge of $30 from your Contract Value to compensate us for certain administrative expenses incurred in connection with the contract. We will deduct the charge at each contract anniversary and at surrender. We will waive this charge if your Contract Value at the time of deduction is more than $40,000. We will allocate the annual contract charge among the Subaccounts in the same proportion that your assets in each Subaccount bear to your total assets in the Separate Account at the time the charge is taken. If there are insufficient assets allocated to the Separate Account, we will deduct any remaining portion of the charge from the Guarantee Account proportionately from all assets in the Guarantee Account. Deductions for Premium Taxes We will deduct charges for any premium tax or other tax levied by any governmental entity from purchase payments or the 52 Contract Value when the premium tax is incurred or when we pay proceeds under the contract (proceeds include surrenders, partial withdrawals, income payments and death benefit payments). The applicable premium tax rates that states and other governmental entities impose on the purchase of an annuity are subject to change by legislation, by administrative interpretation or by judicial action. These premium taxes generally depend upon the law of your state of residence. The tax generally ranges from 0.0% to 3.5%. Portfolio Charges Each Portfolio incurs certain fees and expenses. These include management fees and other expenses associated with the daily operation of each Portfolio, as well as Rule 12b-1 fees and/or service share fees, if applicable. To pay for these expenses, the Portfolio makes deductions from its assets. A Portfolio may also impose a redemption charge on Subaccount assets that are redeemed from the Portfolio. Portfolio expenses, including any redemption charges, are more fully described in the prospectus for each Portfolio. Portfolio expenses are the responsibility of the Portfolio or Fund. They are not fixed or specified under the terms of the contract and are not the responsibility of the Company. Transfer Charges We reserve the right to impose a charge of up to $10 per transfer. This charge represents the costs we incur for effecting any such transfer. We will not realize a profit from imposing this charge. THE CONTRACT The contract is an individual flexible premium variable deferred annuity contract. We describe your rights and benefits below and in the contract. There may be differences in your contract (such as differences in fees, charges, and benefits) because of requirements of the state where we issued your contract. We will include any such differences in your contract. This contract is no longer available for new sales, although additional purchase payments may be made in accordance with the terms of the contract and as described in the "Purchase Payments" provision. This contract may be used with certain tax qualified retirement plans. The contract includes attributes such as tax deferral on accumulated earnings. Qualified retirement plans provide their own tax deferral benefit; the purchase of this contract does not provide additional tax deferral benefits beyond those provided in the qualified retirement plan. Accordingly, if this contract is purchased as a Qualified Contract, you should consider the contract for its death benefit, income benefits and other non-tax-related benefits. Please consult a tax adviser for information specific to your circumstances in order to determine whether this contract is an appropriate investment for you. Purchasing the contract through a tax-free "Section 1035" exchange. Section 1035 of the Code generally permits you to exchange one annuity contract for another in a "tax-free exchange." Therefore, you can use the proceeds from another annuity contract to make purchase payments for this contract. Before making an exchange, you should carefully compare this contract to your current contract. You may have to pay a surrender charge under your current contract to exchange it for this contract and this contract has its own surrender charges which would apply to you. The fees and charges under this contract may be higher (or lower), and the benefits may be different, than those of your current contract. In addition, you may have to pay federal income and penalty taxes on the exchange if it does not qualify for Section 1035 treatment. You should not exchange another contract for this contract unless you determine, after evaluating all of the facts, that the exchange is in your best interest. Please note that the person who sells you this contract generally will earn a commission on the sale. Ownership As owner, you have all rights under the contract, subject to the rights of any irrevocable beneficiary. Two persons may apply as joint owners for a Non-Qualified contract. A joint owner may not be named for a Qualified Contract. Joint owners have equal undivided interests in their contract. That means that each may exercise any ownership rights on behalf of the other, except ownership changes. Joint owners also have the right of survivorship. This means if a joint owner dies, his or her interest in the contract passes to the surviving owner. You must have our approval to add a joint owner after we issue the contract. We may require additional information if joint ownership is requested after the contract is issued. Subject to certain restrictions imposed by electable rider options and as otherwise stated below, before the Annuity Commencement Date, you may change: . your Annuity Commencement Date to any date at least ten years after your last purchase payment; . your Optional Payment Plan; . the allocation of your investments among the Subaccounts and/or the Guarantee Account (subject to 53 certain restrictions listed in your contract and in the "Transfers" provision); and . the owner, joint owner, primary beneficiary, and contingent beneficiary (unless the primary beneficiary or contingent beneficiary is named as an irrevocable beneficiary) upon written notice to our Home Office if you reserved this right and the Annuitant(s) is living at the time of the request. If you change a beneficiary, your plan selection will no longer be in effect unless you request that it continue. In addition, during the Annuitant's life, you can change any non-natural owner to another non-natural owner. Changing the owner or joint owner may have tax consequences and you should consult a tax adviser before doing so. Neither the Annuitant nor the Joint Annuitant can be changed. We must receive your request for a change at our Home Office in a form satisfactory to us. The change will take effect as of the date you sign the request. The change will be subject to any payment made before we recorded the change. Please note that if you elect Guaranteed Income Advantage at the time of application, you may not change your scheduled income start date or your Optional Payment Plan. In addition withdrawals and/or transfers from the GIS Subaccount(s) will lower your guaranteed income floor and cause you to lose your right to continue to make scheduled transfers into the segment from which the withdrawal and/or transfer was made. If you elect one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution) at the time of application, the benefits you receive under such rider may be reduced if your assets are not allocated in accordance with the Investment Strategy prescribed by your rider. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate assets in accordance with the Investment Strategy. If you elect the Principal Protection Advantage, you may change the Income Start Date as long as the new Income Start Date occurs on a contract anniversary at least 36 months after the latest reset date of the benefit base or 36 months after the date we receive your last purchase payment. You may not however, change the Optional Payment Plan once elected at the time of application. Assignment An owner of a Non-Qualified Contract may assign some or all of his or her rights under the contract with our consent. However, an assignment may terminate certain benefits provided by rider option. An assignment must occur before any income payments begin and while the Annuitant is still living. Once proper notice of the assignment is recorded by our Home Office, the assignment will become effective as of the date the written request was signed. Qualified Contracts, IRAs and Tax Sheltered Annuities may not be assigned, pledged or otherwise transferred except where allowed by law. If you elect one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options, our Home Office must approve any assignment, unless such assignment was made pursuant to a court order. Guaranteed Income Advantage will terminate upon assignment of the contract unless such assignment is a result of legal process. Upon termination of Guaranteed Income Advantage, all assets in the GIS Subaccount(s) will be transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund as of the Valuation Day the assignment is received. If the assignment is received on a non-Valuation Day, the assets will be transferred on the next Valuation Day. We are not responsible for the validity or tax consequences of any assignment. We are not liable for any payment or settlement made before the assignment is recorded. Assignments will not be recorded until our Home Office receives sufficient direction from the owner and the assignee regarding the proper allocation of contract rights. Amounts pledged or assigned will be treated as distributions and will be included in gross income to the extent that the Contract Value exceeds the investment in the contract for the taxable year in which it was pledged or assigned. Assignment of the entire Contract Value may cause the portion of the contract exceeding the total investment in the contract and previously taxed amounts to be included in gross income for federal income tax purposes each year that the assignment is in effect. Amounts assigned may be subject to an IRS tax penalty equal to 10% of the amount included in gross income. Purchase Payments You may make purchase payments at any frequency and in the amount you select, subject to certain restrictions, including restrictions that may be imposed by the terms of elected riders. You must obtain our approval before you make total purchase payments for an Annuitant age 79 or younger that exceed $2,000,000 in the aggregate in any variable annuity contracts issued by the Company or any of its affiliates. If any Annuitant is age 80 or older at the time of payment, the total amount not subject to prior approval is $1,000,000 in the aggregate in any variable annuity contracts issued by the Company or any of its 54 affiliates. Purchase payments may be made at any time prior to the Annuity Commencement Date, the surrender of the contract, or the death of the owner (or joint owner, if applicable), whichever comes first. The minimum initial purchase payment is $5,000 ($2,000 if your contract is an IRA contract). We may accept a lower initial purchase payment in the case of certain group sales. Each additional purchase payment must be at least $500 for Non-Qualified Contracts ($200 if paid by electronic fund transfers), $50 for IRA contracts and $100 for other Qualified Contracts. If a Non-Qualified Contract is being used to fund another deferred annuity as a Funding Annuity pursuant to an approved Annuity Cross Funding Program, the minimum additional purchase payment is $100. See the "Annuity Cross Funding Program" provision of this prospectus. We reserve the right to refuse to accept a purchase payment for any lawful reason and in a manner that does not unfairly discriminate against similarly situated purchasers. If you have one or more guaranteed benefits and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract and/or contributions and/or transfers into the Subaccounts, you may no longer be able to fund your guaranteed benefit(s). This means that if you have already funded your guaranteed benefit(s) by allocating amounts according to the prescribed Investment Strategy for the rider(s), you may no longer be able to increase your Contract Value and the benefit base(s) associated with your guaranteed benefit(s) through contributions and transfers. (For more information about the potential impact of limitations on your ability to make subsequent purchase payments, see "Important Note" under "Guaranteed Minimum Withdrawal Benefit Rider Options" and "Payment Protection Rider Options.") Valuation Day and Valuation Period We will value Accumulation and Annuity Units once daily as of the close of regular trading (currently 4:00 p.m. Eastern Time) for each day the New York Stock Exchange is open, except for days on which a Portfolio does not value its shares. If a Valuation Period contains more than one day, the unit values will be the same for each day in the Valuation Period. Allocation of Purchase Payments We place purchase payments into the Subaccounts, each of which invests in shares of a corresponding Portfolio and/or the Guarantee Account, according to your instructions. You may allocate purchase payments to the Subaccounts plus the Guarantee Account at any one time. If you have elected Guaranteed Income Advantage, you may not allocate purchase payments directly to the GIS Subaccount(s); such allocations to the GIS Subaccount(s) must be made by scheduled transfers pursuant to pro rata scheduled transfers from all other Subaccounts in which you have assets. Any remaining allocations will come from the Guarantee Account. If you have elected one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution), you must allocate all purchase payments in accordance with the Investment Strategy prescribed by the rider in order to obtain the full benefit of the rider. The benefits you receive under the rider may be reduced if your purchase payments are not allocated in accordance with the Investment Strategy. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate assets in accordance with the Investment Strategy. See the "Surrenders and Partial Withdrawals -- Guaranteed Minimum Withdrawal Benefit Rider Options" and "Income Payments -- Payment Protection Rider Options" provisions of this prospectus. The percentage of purchase payment that you can put into any one Subaccount or guarantee period must equal a whole percentage and cannot be less than $100. For contracts issued on or after the later of September 2, 2003, or the date on which state insurance authorities approve applicable contract modifications we may limit the amount that may be allocated to the Guarantee Account. Currently, no more than 25% of your Contract Value, as determined at the time of allocation, may be allocated to the Guarantee Account. In addition, the Guarantee Account is not available to contract owners who have elected Payment Optimizer Plus for as long as the rider is in effect. Upon allocation to the appropriate Subaccounts, we convert purchase payments into Accumulation Units. We determine the number of Accumulation Units credited by dividing the amount allocated to each Subaccount by the value of an Accumulation Unit for that Subaccount on the Valuation Day on which we receive any additional purchase payment at our Home Office. The number of Accumulation Units determined in this way is not changed by any subsequent change in the value of an Accumulation Unit. However, the dollar value of an Accumulation Unit will vary depending not only upon how well the Portfolio's investments perform, but also upon the charges of the Separate Account and the Portfolios. You may change the allocation of subsequent purchase payments at any time, without charge, by sending us acceptable notice. The new allocation will apply to any purchase payments made after we receive notice of the change at our Home Office. Valuation of Accumulation Units Partial withdrawals, surrenders and/or payment of the death benefit all result in the cancellation of an appropriate number of 55 Accumulation Units. We cancel Accumulation Units as of the end of the Valuation Period in which we receive notice or instructions with regard to the partial withdrawal, surrender or payment of a death benefit. The Accumulation Unit value at the end of every Valuation Day equals the Accumulation Unit value at the end of the preceding Valuation Day multiplied by the net investment factor (described below). We arbitrarily set the Accumulation Unit value at the inception of the Subaccount at $10. On any Valuation Day, we determine your Subaccount value by multiplying the number of Accumulation Units attributable to your contract by the Accumulation Unit value for that day. The net investment factor is an index used to measure the investment performance of a Subaccount from one Valuation Period to the next. The net investment factor for any Subaccount for any Valuation Period reflects the change in the net asset value per share of the Portfolio held in the Subaccount from one Valuation Period to the next, adjusted for the daily deduction of the administrative expense charges, mortality and expense risk charges, and any applicable optional rider charges (but not any optional death benefit rider charges) from assets in the Subaccount. The charges for Lifetime Income Plus 2008, Lifetime Income Plus Solution and the Death Benefit Rider Options, however, are deducted from your Contract Value. If any "ex-dividend" date occurs during the Valuation Period, we take into account the per share amount of any dividend or capital gain distribution so that the unit value is not impacted. Also, if we need to reserve money for taxes, we take into account a per share charge or credit for any taxes reserved for which we determine to have resulted from the operations of the Subaccount. The value of an Accumulation Unit may increase or decrease based on the net investment factor. Changes in the net investment factor may not be directly proportional to changes in the net asset value of the Portfolio because of the deduction of Separate Account charges. Though the number of Accumulation Units will not change as a result of investment experience, the value of an Accumulation Unit may increase or decrease from Valuation Period to Valuation Period. See the Statement of Additional Information for more details. TRANSFERS Transfers Before the Annuity Commencement Date All owners may transfer all or a portion of their assets between and among the Subaccounts of the Separate Account and the Guarantee Account on any Valuation Day prior to the Annuity Commencement Date, subject to certain conditions that are stated below. Owners may not, however, transfer assets in the Guarantee Account from one interest rate guarantee period to another interest rate guarantee period. In addition, if you elect Guaranteed Income Advantage, once you make a transfer from a segment that corresponds to a GIS Subaccount, you may not make subsequent purchase payments or transfers to that segment corresponding to that GIS Subaccount. If you elect one of the Payment Protection Rider Options, or one of the Guaranteed Minimum Withdrawal Benefit Rider Options (except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution), the benefits you receive under such rider may be reduced if, after your transfer, your assets are not allocated in accordance with the prescribed Investment Strategy. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate assets in accordance with the Investment Strategy. We process transfers among the Subaccounts and between the Subaccounts and the Guarantee Account as of the end of the Valuation Period that we receive the transfer request in good order at our Home Office. There may be limitations placed on multiple transfer requests made at different times during the same Valuation Period involving the same Subaccounts and/or the Guarantee Account. We may postpone transfers to, from or among the Subaccounts and/or the Guarantee Account under certain circumstances. See the "Requesting Payments" provision of this prospectus. Transfers from the Guarantee Account to the Subaccounts We may limit and/or restrict transfers from the Guarantee Account to the Subaccounts. For any allocation from the Guarantee Account to the Subaccounts, the limited amount will not be less than any accrued interest on that allocation plus 25% of the original amount of that allocation. Unless you are participating in a Dollar Cost Averaging program (see the "Dollar Cost Averaging Program" provision), you may make such transfers only during the 30 day period beginning with the end of the preceding interest rate guarantee period applicable to that particular allocation. We also may limit the amount that you may transfer to the Subaccounts. Transfers from the Subaccounts to the Guarantee Account We may restrict certain transfers from the Subaccounts to the Guarantee Account. For contracts issued on or after the later of September 2, 2003, or the date on which state insurance authorities approve applicable contract modifications, we may also limit the amount that may be allocated to the Guarantee Account to no more than 25% of your Contract Value, as 56 determined at the time of allocation. In addition, where permitted by state law, we will refuse new purchase payments or transfers into the Guarantee Account when your assets in the Guarantee Account are equal to or greater than 25% of your Contract Value at the time of allocation. We generally exercise our right to limit or refuse allocations to the Guarantee Account when interest rate periods are low for prolonged periods of time. In addition, we reserve the right to prohibit or limit transfers from the Subaccounts to the Guarantee Account during the six month period following the transfer of any amount from the Guarantee Account to any Subaccount. Transfers Among the Subaccounts All owners may submit 12 Subaccount transfers each calendar year by voice response, Internet, telephone, facsimile, U.S. Mail or overnight delivery service. Once such 12 Subaccount transfers have been executed, a letter will be sent notifying owners that they may submit additional transfers only in writing by U.S. Mail or by overnight delivery service, and transfer requests sent by same day mail, courier service, Internet, telephone or facsimile will not be accepted under any circumstances. Once we receive your mailed transfer request at our Home Office, such transfer cannot be cancelled. We also will not cancel transfer requests that have not yet been received, i.e., you may not call to cancel a transfer request sent by U.S. Mail or overnight delivery service. If you wish to change a transfer request sent by U.S. Mail or overnight delivery service, such change must also be sent in writing by U.S. Mail or by overnight delivery service. We will process that transfer request as of the Valuation Day the new transfer request is received at our Home Office. Currently, we do not charge for transfers. However, we reserve the right to assess a charge of up to $10 for each transfer. The minimum transfer amount is $100 or the entire balance in the Subaccount or interest rate guarantee period if the transfer will leave a balance of less than $100. We also reserve the right to not honor your transfer request if your transfer is a result of more than one trade involving the same Subaccount within a 30 day period. We will generally invoke this right when either the Portfolio(s) or we see a pattern of frequent transfers between the same Portfolios within a short period of time (i.e., transfers among the same Subaccounts occur within five to 15 days of each other). In addition, we may not honor transfers made by third parties. See the "Transfers by Third Parties" provision of this prospectus. If a transfer request is not processed, a letter will be sent notifying you that your transfer request was not honored. If we do not honor a transfer request, we will not count that request as a transfer for purposes of the 12 transfers allowed each calendar year as described in the previous paragraphs. When thinking about a transfer of assets, you should consider the inherent risks involved. Frequent transfers based on short-term expectations may increase the risk that you will make a transfer at an inopportune time. Also, because certain restrictions on transfers are applied at the discretion of the Portfolios in which the Subaccount invests, it is possible that owners will be treated differently and there could be inequitable treatment among owners if a Portfolio does not apply equal treatment to all shareholders. See the "Special Note on Frequent Transfers" provision of this prospectus. These restrictions will apply to all owners and their designated third party(ies), unless such transfer is being made pursuant to: (1) a Dollar Cost Averaging program; (2) a Portfolio Rebalancing program; (3) the terms of an approved Fund substitution or Fund liquidation; or (4) a Portfolio's refusal to allow the purchase of shares, either on behalf of an individual owner or the entire Separate Account, in which case, the Portfolio's refusal to allow the purchase of shares will not be considered a transfer for calculation of the 12 transfers allowed per calendar year by voice response, Internet, telephone, facsimile, U.S. Mail or overnight delivery service. In addition, the restrictions and charges listed above do not apply to any: (1) scheduled transfers made to the GIS Subaccount(s) pursuant to the terms of Guaranteed Income Advantage; or (2) transfers made among the Subaccounts pursuant to automatic rebalancing of assets made under the terms of one of the Payment Protection Rider Options, or one of the Guaranteed Minimum Withdrawal Benefit Rider Options. Sometimes, we will not honor transfer requests. We will not honor a transfer request if: (1) any Subaccount that would be affected by the transfer is unable to purchase or to redeem shares of the Portfolio in which the Subaccount invests; or (2) the transfer would adversely affect unit values. The affected Portfolio(s) determine whether these items apply. 57 We will treat all owners equally with respect to transfer requests. Telephone/Internet Transactions All owners may make their first 12 transfers in any calendar year among the Subaccounts or between the Subaccounts and the Guarantee Account by calling or electronically contacting us. Transactions that can be conducted over the telephone and Internet include, but are not limited to: (1) the first 12 transfers of assets among the Subaccounts or between the Subaccounts and the Guarantee Account in any calendar year (this includes any changes in purchase payment allocations when such changes include a transfer of assets); (2) Dollar Cost Averaging; and (3) Portfolio Rebalancing. We employ reasonable procedures to confirm that instructions we receive are genuine. Such procedures may include, but are not limited to: (1) requiring you or a third party to provide some form of personal identification before we act on the telephone/Internet instructions; (2) confirming the telephone/Internet transaction in writing to you or a third party you authorized; and/or (3) tape recording telephone instructions or retaining a record of your electronic request. We reserve the right to limit or prohibit telephone and Internet transactions. We will delay making a payment or processing a transfer request if: (1) the disposal or valuation of the Separate Account's assets is not reasonably practicable because the New York Stock Exchange is closed; (2) on nationally recognized holidays, trading is restricted by the New York Stock Exchange; (3) an emergency exists making the disposal or valuation of securities held in the Separate Account impracticable; or (4) the SEC by order permits postponement of payment to protect our owners. Rules and regulations of the SEC will govern as to when the conditions described in (3) and (4) above exist. If we are closed on days when the New York Stock Exchange is open, Contract Value may be affected since owners will not have access to their account. Confirmation of Transactions We will not be liable for following instructions that we reasonably determine to be genuine. We will send you a confirmation of any transfer we process. Systematic transactions, such as those related to portfolio rebalancing or dollar cost averaging, generally will be reported in quarterly statements. You are responsible for verifying transfer confirmations and notifying us of any errors within 30 days of receiving the confirmation statement or, for systematic transactions not reported on a trade confirmation, the quarterly statement. Special Note on Reliability Please note that the Internet or our telephone system may not always be available. Any computer system or telephone system, whether it is ours, yours, your service provider's, or your registered representative's, can experience unscheduled outages or slowdowns for a variety of reasons. These outages or slowdowns may delay or prevent our processing of your request. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability under all circumstances. If you are experiencing problems, you can make your transaction request by writing our Home Office. Transfers by Third Parties As a general rule and as a convenience to you, we allow you to give third parties the right to conduct transfers on your behalf. However, when the same third party possesses this ability on behalf of many owners, the result can be simultaneous transfers involving large amounts of assets. Such transfers can disrupt the orderly management of the Portfolios underlying the contract, can result in higher costs to owners, and are generally not compatible with the long-range goals of owners. We believe that such simultaneous transfers effected by such third parties are not in the best interests of all beneficial shareholders of the Portfolios, and the management of the Portfolios share this position. We have procedures to assure that the transfer requests that we receive have, in fact, been made by the owners in whose names they are submitted. Consequently, we may refuse transfers made by third parties on behalf of an owner in a number of circumstances, which include but are not limited to: (1) transfers made on behalf of many owners by one third party (or several third parties who belong to the same firm) where the transfer involves the same Subaccounts and large amounts of assets; 58 (2) when we have not received adequate authorization from the owner allowing a third party to make transfers on his or her behalf; and (3) when we believe, under all facts and circumstances received, that the owner or his or her authorized agent is not making the transfer. We require documentation to provide sufficient proof that the third party making the trade is in fact duly authorized by the owner. This information includes, but is not limited to: (1) documentation signed by the owner or a court authorizing a third party to act on the owner's behalf; (2) passwords and encrypted information; (3) additional owner verification when appropriate; and (4) recorded conversations. We will not be held liable for refusing a transfer made by a third party when we have a reasonable basis for believing such third party is not authorized to make a transfer on the owner's behalf or we have a reasonable basis for believing the third party is acting in a fraudulent manner. Special Note on Frequent Transfers The Separate Account does not accommodate frequent transfers of Contract Value among Subaccounts. When owners or someone on their behalf submit requests to transfer all or a portion of their assets between Subaccounts, the requests result in the purchase and redemption of shares of the Portfolios in which the Subaccounts invest. Frequent Subaccount transfers, therefore, cause corresponding frequent purchases and redemptions of shares of the Portfolios. Frequent purchases and redemptions of shares of the Portfolios can dilute the value of a Portfolio's shares, disrupt the management of the Portfolio's investment portfolio, and increase brokerage and administrative costs. Accordingly, when an owner or someone on their behalf engages in frequent Subaccount transfers, other owners and persons with rights under the contracts (such as the beneficiaries) may be harmed. The Separate Account discourages frequent transfers, purchases and redemptions. To discourage frequent Subaccount transfers, we adopted the policy described in the "Transfers Among the Subaccounts" section. This policy requires owners who request more than 12 Subaccount transfers in a calendar year to submit such requests in writing by U.S. Mail or by overnight delivery service (the "U.S. Mail requirement"). The U.S. Mail requirement creates a delay of at least one day between the time transfer decisions are made and the time such transfers are processed. This delay is intended to discourage frequent Subaccount transfers by limiting the effectiveness of abusive "market timing" strategies (in particular, "time-zone" arbitrage) that rely on "same-day" processing of transfer requests. In addition, we will not honor transfer requests if any Subaccount that would be affected by the transfer is unable to purchase or redeem shares of the Portfolio in which the Subaccount invests or if the transfer would adversely affect Accumulation Unit values. Whether these restrictions apply is determined by the affected Portfolio(s), and although we apply the restrictions uniformly when we receive information from the Portfolio(s), we cannot guarantee that the Portfolio(s) will apply their policies and procedures in a uniform basis. There can be no assurance that the U.S. Mail requirement will be effective in limiting frequent Subaccount transfers or that we can prevent all frequent Subaccount transfer activity that may adversely affect owners, other persons with material rights under the contracts, or Portfolio shareholders generally. For instance, imposing the U.S. Mail requirement after 12 Subaccount transfers may not be restrictive enough to deter owners seeking to engage in abusing market timing strategies. We may revise our frequent Subaccount transfer policy and related procedures, at our sole discretion, at any time and without prior notice, as we deem necessary or appropriate to better detect and deter frequent transfer activity that may adversely affect owners, other persons with material rights under the contracts, or Portfolio shareholders generally, to comply with state or federal regulatory requirements, or to impose additional or alternative restrictions on owners engaging in frequent Subaccount transfers. For example, we may invoke our right to refuse transfers if the transfer involves the same Subaccount within a 30 day period and/or we may change our procedures to monitor for a different number of transfers within a specified time period or to impose a minimum time period between each transfer. There are inherent risks that changing our policies and procedures in the future may not be effective in limiting frequent Subaccount transfers. We will not implement any policy and procedure at the contract level that discriminates among owners; however, we may be compelled to adopt policies and procedures adopted by the Portfolios on behalf of the Portfolios and we will do so unless we cannot service such policies and procedures or we believe such policies and procedures contradict state or federal regulations or such policies and procedures contradict with the terms of your contract. As stated in the previous paragraph, each of the Portfolios in which the Subaccounts invest may have its own policies and procedures with respect to frequent purchases and redemption 59 of Portfolio shares. The prospectuses for the Portfolios describe any such policies and procedures. For example, a Portfolio may assess redemption fees (which we reserve the right to collect) on shares held for a relatively short period of time. The frequent trading policies and procedures of a Portfolio may be different, and more or less restrictive, than the frequent trading policies and procedures of other Portfolios and the policies and procedures we have adopted to discourage frequent Subaccount transfers. Owners should be aware that we may not have the operational capability to monitor owners' Subaccount transfer requests and apply the frequent trading policies and procedures of the respective Portfolios that would be affected by the transfers. Accordingly, owners and other persons who have material rights under the contracts should assume that the sole protection they may have against potential harm from frequent Subaccount transfers is the protection, if any, provided by the policies and procedures we have adopted to discourage frequent Subaccount transfers. Under SEC rules, we are required to enter into a written agreement with each Portfolio or its principal underwriter that will obligate us to provide promptly, upon request by the Portfolio, certain information to the Portfolio about the trading activity of individual contract owners. Under these circumstances, we may be required to provide your tax identification number or social security number to the Fund and/or its manager. We must then execute any instructions from the Portfolio to restrict or prohibit further purchases or transfers by a specific contract owner of Accumulation Units or Annuity Units of the Subaccount that invests in that Portfolio, where such contract owner has been identified by the Portfolio as having engaged in transactions (indirectly through such Subaccount) that violate policies established for that Portfolio for the purpose of eliminating or reducing any dilution of the value of the outstanding shares of the Portfolio. We will inform any contract owners whose future purchases and transfers of a Subaccount's units have been restricted or prohibited by a Portfolio. Owners and other persons with material rights under the contracts also should be aware that the purchase and redemption orders received by the Portfolios generally are "omnibus" orders from intermediaries such as broker-dealers, retirement plans or separate accounts funding variable insurance contracts. These omnibus orders reflect the aggregation and netting of multiple orders from individual retirement plan participants and/or individual owners of variable insurance contracts. The omnibus nature of these orders may limit the Portfolios' ability to apply their respective frequent trading policies and procedures. We cannot guarantee that the Portfolios will not be harmed by transfer activity relating to the retirement plans and/or other insurance companies that may invest in the Portfolios. In addition, if a Portfolio believes an omnibus order we submit may reflect one or more Subaccount transfer requests from owners engaged in frequent transfer activity, the Portfolio may reject a portion of or the entire omnibus order. If a Portfolio rejects part of an omnibus order it believes is attributable to transfers that exceed its market timing policies and procedures, it will return the amount to us, and we will credit the amount to the owner as of the Valuation Day of our receipt of the amount. You may realize a loss if the unit value on the Valuation Day we credit the amount back to your account has increased since the original date of your transfer. We apply our policies and procedures without exception, waiver, or special arrangement. Dollar Cost Averaging Program The Dollar Cost Averaging program permits you to systematically transfer on a monthly or quarterly basis a set dollar amount from the Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund and/or the Guarantee Account to any combination of other Subaccounts (as long as the total number of Subaccounts used does not exceed the maximum number allowed under the contract). The Dollar Cost Averaging method of investment is designed to reduce the risk of making purchases only when the price of units is high, but you should carefully consider your financial ability to continue the program over a long enough period of time to purchase Accumulation Units when their value is low as well as when it is high. Dollar Cost Averaging does not assure a profit or protect against a loss. You may participate in the Dollar Cost Averaging program: (1) by electing it on your application; (2) by contacting an authorized sales representative; or (3) by calling us at (800) 352-9910. To use the program, you must transfer at least $100 from the Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund and/or interest rate guarantee period with each transfer. The Dollar Cost Averaging program will begin 30 days after we receive all required forms with your instructions and any necessary purchase payment, unless we allow an earlier date. We will discontinue your participation in the Dollar Cost Averaging program: . on the business day we receive your request to discontinue the program in writing or by telephone (assuming we have your telephone authorization form on file); or 60 . when the assets in the Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund and/or interest rate guarantee period from which transfers are being made are depleted. If you Dollar Cost Average from the Guarantee Account, we reserve the right to determine the amount of each automatic transfer. We reserve the right to transfer any remaining portion of an allocation used for Dollar Cost Averaging to a new guarantee period upon termination of the Dollar Cost Averaging program for that allocation. You may not transfer from one interest rate guarantee period to another interest rate guarantee period. We also reserve the right to credit a higher rate of interest on purchase payments allocated to the Guarantee Account that participate in the Dollar Cost Averaging program. We refer to this higher rate of interest as Enhanced Dollar Cost Averaging. The Dollar Cost Averaging program and/or Enhanced Dollar Cost Averaging program may not be available in all states and in all markets or through all broker-dealers who sell the contracts. If you terminate the Dollar Cost Averaging program prior to the depletion of assets from the Guarantee Account, we have the right to credit the remaining assets in the Guarantee Account the current interest rate being credited to all other Guarantee Account assets not participating in the Enhanced Dollar Cost Averaging program as of that Valuation Day. In addition, for contracts issued on or after the later of September 2, 2003, or the date on which state insurance authorities approve applicable contract modifications, if you terminate your Dollar Cost Averaging program prior to the depletion of assets in the Guarantee Account, we may limit the amount that may be allocated to the Guarantee Account. If we exercise this right, we guarantee that the amount limited will be the same as the amount limited for those contracts not participating in a Dollar Cost Averaging program as of the date you terminate your Dollar Cost Averaging program. There is no additional charge for Dollar Cost Averaging. A transfer under this program is not a transfer for purposes of assessing a transfer charge or calculating the minimum number of transfers we may allow in a calendar year. We may, from time to time, offer various Dollar Cost Averaging programs. We reserve the right to discontinue new Dollar Cost Averaging programs or to modify such programs at any time and for any reason. We also reserve the right to prohibit simultaneous Dollar Cost Averaging and Systematic Withdrawals. Dollar Cost Averaging is not available if you have elected one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options and you are allocating assets in accordance with the prescribed Investment Strategy. If you have elected Lifetime Income Plus 2008, Lifetime Income Plus Solution or Payment Optimizer Plus, you can, however, participate in the Defined Dollar Cost Averaging program, as described below. Owners considering participating in a Dollar Cost Averaging program should call (800) 352-9910 or an authorized sales representative to verify the availability of Dollar Cost Averaging. Defined Dollar Cost Averaging Program The Defined Dollar Cost Averaging program permits you to systematically transfer a fixed dollar amount on a monthly basis for twelve months from the Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund to an Asset Allocation Model or, if you have elected Lifetime Income Plus 2008, Lifetime Income Plus Solution or Payment Optimizer Plus, from the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund to one of the other available Investment Strategy options. The Dollar Cost Averaging method of investment is designed to reduce the risk of making purchases only when the price of units is high, but you should carefully consider your financial ability to continue the program over a long enough period of time to purchase Accumulation Units when their value is low as well as when it is high. Dollar Cost Averaging does not assure a profit or protect against a loss. You may participate in the Defined Dollar Cost Averaging program only if you elect it when you apply for the contract. To use the program, you must transfer at least $100 from the Subaccount (or Designated Subaccount) investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund. If elected at application, the Defined Dollar Cost Averaging program will begin 30 days after the Contract Date. You may accelerate the amount you transfer. You may also terminate the program at any time. We will discontinue your participation in the Defined Dollar Cost Averaging program at the first instance of one of the following events: (1) on the business day we receive your request to discontinue the program in writing or by telephone (assuming we have your telephone authorization form on file); (2) when the assets in the Subaccount (or Designated Subaccount) investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund are depleted; or 61 (3) at the end of the twelfth month following the Contract Date. Upon termination of the program, any remaining assets in the Subaccount (or Designated Subaccount) investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund will be transferred to the specified Asset Allocation Model or Investment Strategy option. There is no additional charge to participate in the Defined Dollar Cost Averaging program. A transfer under this program is not a transfer for purposes of assessing a transfer charge or for calculating the maximum number of transfers we may allow in a calendar year. Any withdrawals taken from your contract while the Defined Dollar Cost Averaging program is in effect will be applied on a pro rata basis from all investments, including the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund. If you request a withdrawal from a specific Portfolio, however, we will terminate your Defined Dollar Cost Averaging program and treat the transfer as a transfer for purposes of assessing a transfer charge or for calculating the maximum number of transfers we may allow in a calendar year. We reserve the right to discontinue the Defined Dollar Cost Averaging program or to modify the program at any time and for any reason. Portfolio Rebalancing Program Once your purchase payment has been allocated among the Subaccounts, the performance of each Subaccount may cause your allocation to shift. You may instruct us to automatically rebalance on a quarterly, semi-annual or annual basis your assets among the Subaccounts to return to the percentages specified in your allocation instructions. Your percentage allocations must be in whole percentages. The program does not include allocations to the Guarantee Account. You may elect to participate in the Portfolio Rebalancing program at any time by submitting a completed Portfolio Rebalancing form to our Home Office. You may not participate in the Portfolio Rebalancing program if you have elected one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options and you are allocating assets in accordance with the prescribed Investment Strategy. Subsequent changes to your percentage allocations may be made at any time by written or telephone instructions to our Home Office. Once elected, Portfolio Rebalancing remains in effect from the date we receive your written request until you instruct us to discontinue Portfolio Rebalancing. There is no additional charge for using Portfolio Rebalancing, and we do not consider Portfolio Rebalancing a transfer for purposes of assessing a transfer charge or calculating the maximum number of transfers permitted in a calendar year. We reserve the right to discontinue or modify the Portfolio Rebalancing program at any time and for any reason. We also reserve the right to exclude specific Subaccounts from Portfolio Rebalancing. We will discontinue your participation in Portfolio Rebalancing if: . you elected one of the Payment Protection Rider Options, or one of the Guaranteed Minimum Withdrawal Benefit Rider Options at the time of application; and . you reset your benefit by reallocating assets in accordance with a prescribed Investment Strategy following a period of allocating assets outside of the prescribed Investment Strategy. We will discontinue your participation as of the Valuation Day the reset occurs. Portfolio Rebalancing does not guarantee a profit or protect against a loss. Guarantee Account Interest Sweep Program You may instruct us to transfer interest earned on your assets in the Guarantee Account (if available) to the Subaccounts to which you are allocating purchase payments, in accordance with your allocation instructions in effect on the date of the transfer any time before the Annuity Commencement Date. You must specify the frequency of the transfers (either monthly, quarterly, semi-annually, or annually). The minimum amount in the Guarantee Account required to elect this option is $1,000, but may be reduced at our discretion. The transfers under this program will take place on the last calendar day of each period. You may participate in the interest sweep program at the same time you participate in either the Dollar Cost Averaging program or the Portfolio Rebalancing program. If any interest sweep transfer is scheduled for the same day as a Portfolio Rebalancing transfer, we will process the interest sweep transfer first. We may limit the amount you may transfer from the Guarantee Account to the Subaccounts for any particular allocation. See the "Transfers" provision of this prospectus. We will not process an interest sweep transfer if that transfer would exceed the amount permitted to be transferred. You may cancel your participation in the interest sweep program at any time by writing or calling our Home Office at the address or telephone number listed on page 1 of this prospectus. We will automatically cancel your participation in the program if your assets in the Guarantee Account are less 62 than $1,000 or such lower amount as we may determine. You may not participate in the Guarantee Account Interest Sweep program if you have elected one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options and you are allocating assets in accordance with the prescribed Investment Strategy. We will discontinue your participation in the Guarantee Account Interest Sweep program if: . you elected one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options at the time of application; and . you reset your benefit by reallocating assets in accordance with a prescribed Investment Strategy following a period of allocating assets outside the prescribed Investment Strategy. There is no additional charge for the interest sweep program. We do not consider interest sweep transfers a transfer for purposes of assessing a transfer charge or for calculating the maximum number of transfers permitted in a calendar year. The interest sweep program does not assure a profit or protect against a loss. SURRENDERS AND PARTIAL WITHDRAWALS Surrenders and Partial Withdrawals We will allow you to surrender your contract or to withdraw a portion of your Contract Value at any time before the Annuity Commencement Date upon your written request, subject to the conditions discussed below. We will not permit a partial withdrawal that is less than $100 or a partial withdrawal that would reduce your Contract Value to less than $1,000. If your partial withdrawal request would reduce your Contract Value to less than $1,000, we will surrender your contract in full. Different limits and other restrictions may apply to Qualified Contracts. The amount payable on surrender of the contract is the Surrender Value at the end of the Valuation Period during which we receive the request. The Surrender Value equals: (1) the Contract Value (after deduction of any charge for the optional rider(s) and annual contract charge, if applicable) on the Valuation Day we receive a request for surrender; less (2) any applicable surrender charge; less (3) any applicable premium tax. We may pay the Surrender Value in a lump sum or under one of the Optional Payment Plans specified in the contract, based on your instructions. If you are taking a partial withdrawal, you may indicate, in writing, electronically, or by calling our Home Office, from which Subaccounts or interest rate guarantee periods we are to take your partial withdrawal. If you do not so specify, we will deduct the amount of the partial withdrawal first from the Subaccounts (excluding the GIS Subaccount(s) if Guaranteed Income Advantage is elected at the time of application) on a pro-rata basis, in proportion to your assets in the Separate Account. We will deduct any remaining amount from the Guarantee Account. We will take deductions from the Guarantee Account from the amounts (including any interest credited to such amounts) which have been in the Guarantee Account for the longest period of time. If you elect one of the Payment Protection Rider Options or one of the Guaranteed Minimum Withdrawal Benefit Rider Options and take a partial withdrawal, we will rebalance the Contract Value to the Subaccounts in accordance with the allocation of Contract Value in effect prior to the partial withdrawal, unless you instruct us otherwise. If, after a partial withdrawal and such instructions, your Contract Value is not allocated in accordance with the prescribed Investment Strategy, the benefit you receive under the rider may be reduced. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate assets in accordance with the Investment Strategy. If Guaranteed Income Advantage is elected at the time of application, withdrawals will then be deducted from the GIS Subaccount(s) from the segment that has been in effect for the shortest period of time. A Portfolio may impose a redemption charge. The charge is retained by or paid to the Portfolio. The charge is not retained by or paid to us. The redemption charge may affect the number and/or value of Accumulation Units withdrawn from the Subaccount that invests in that Portfolio and may affect Contract Value. When taking a partial surrender, any applicable surrender charges and/or applicable premium tax will be taken from the amount surrendered, unless otherwise requested. We will delay making a payment if: (1) the disposal or valuation of the Separate Account's assets is not reasonably practicable because the New York Stock Exchange is closed; (2) on nationally recognized holidays, trading is restricted by the New York Stock Exchange; (3) an emergency exists making the disposal or valuation of securities held in the Separate Account impracticable; or 63 (4) the SEC by order permits postponement of payment to protect our owners. Rules and regulations of the SEC will govern as to when the conditions described in (3) and (4) above exist. If we are closed on days when the New York Stock Exchange is open, Contract Value may be affected since owners will not have access to their account. For contracts issued on or after the later of September 2, 2003, or the date on which state insurance authorities approve applicable contract modifications, partial withdrawals from the Subaccounts may further reduce or restrict the amount that may be allocated to the Guarantee Account. See "The Guarantee Account" provision of this prospectus. Please remember that partial withdrawals (including partial withdrawals immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program, as well as partial withdrawals taken pursuant to the terms of a Guaranteed Minimum Withdrawal Benefit Option) will reduce your death benefit by the proportion that the partial withdrawal (including any applicable surrender charges and premium taxes assessed) reduces your Contract Value. See the "Death of Owner and/or Annuitant" provision of this prospectus. Partial withdrawals and surrenders may also be subject to income tax and, if taken prior to age 59 1/2, a 10% additional IRS penalty tax. See the "Tax Matters" provision of this prospectus. Restrictions on Distributions from Certain Contracts Under Code Section 403(b) tax sheltered annuities, distributions of (1) salary reduction contributions made in years beginning after December 31, 1988; (2) earnings on those contributions; and (3) earnings on amounts held as of the last year beginning before January 1, 1989, are not allowed prior to age 59 1/2, severance from employment, death or disability. Salary reduction contributions may also be distributed upon hardship, but would generally be subject to penalties. For contracts issued after 2008, amounts attributable to nonelective contributions may be subject to distribution restrictions specified in the employer's Section 403(b) plan. If your contract was issued pursuant to a 403(b) plan, we generally are required to confirm, with your 403(b) plan sponsor or otherwise, that surrenders or transfers you request comply with applicable tax requirements and to decline requests that are not in compliance. We will defer such payments you request until all information required under the tax law has been received. By requesting a surrender or transfer, you consent to the sharing of confidential information about you, the contract, and transactions under the contract and any other 403(b) contracts or accounts you have under the 403(b) plan among us, your employer or plan sponsor, any plan administrator or recordkeeper, and other product providers. Section 830.105 of the Texas Government Code permits participants in the Texas Optional Retirement Program to withdraw their interest in a variable annuity contract issued under the Texas Optional Retirement Program only upon: (1) termination of employment in the Texas public institutions of higher education; (2) retirement; (3) death; or (4) the participant's attainment of age 70 1/2. If your contract is issued to a Texas Optional Retirement Plan, you must furnish us proof that one of these four events has occurred before we distribute any amounts from your contract. Systematic Withdrawal Program The Systematic Withdrawal program allows you to take Systematic Withdrawals of a specified dollar amount (in equal installments of at least $100) on a monthly, quarterly, semi-annual or annual basis. Your payments can begin at any time after 30 days from the date your contract is issued (unless we allow an earlier date). To participate in the program, your Contract Value must initially be at least $5,000 and you must submit a completed Systematic Withdrawal form to our Home Office. You can obtain the form from an authorized sales representative or our Home Office. Your Systematic Withdrawals in a contract year may not exceed the amount which is not subject to a surrender charge. See the "Surrender Charge" provision of this prospectus. We will deduct the Systematic Withdrawal amounts first from any gain in the contract and then from purchase payments made. You may provide specific instructions as to the Subaccounts (excluding the GIS Subaccount(s) if Guaranteed Income Advantage is elected at the time of application) and/or interest rate guarantee periods from which we are to take the Systematic Withdrawals. If you have not provided specific instructions, or if your specific instructions cannot be carried out, we will process the withdrawals by cancelling Accumulation Units on a pro-rata basis from all of the Subaccounts (excluding the GIS Subaccount(s) if Guaranteed Income Advantage is elected at the time of application) in which you have an interest. To the extent that your assets in the Separate Account are not sufficient to accomplish the withdrawal, we will take the withdrawal from 64 any assets you have in the Guarantee Account. We will take deductions from the Guarantee Account from the amounts (including interest credited to such amounts) that have been in the Guarantee Account for the longest period of time. If Guaranteed Income Advantage is elected at the time of application, any remaining amounts will be taken from the GIS Subaccount(s) from the segment that has been in effect for the shortest period of time. After your Systematic Withdrawals begin, you may change the frequency and/or amount of your payments, subject to the following: . you may request only one such change in a calendar quarter; and . if you did not elect the maximum amount you could withdraw under this program at the time you elected the current series of Systematic Withdrawals, then you may increase the remaining payments up to the maximum amount. A Systematic Withdrawal program will terminate automatically when a Systematic Withdrawal would cause the remaining Contract Value to be less than $1,000. If a Systematic Withdrawal would cause the Contract Value to be less than $1,000, then we will not process that Systematic Withdrawal transaction. If any of your Systematic Withdrawals would be or become less than $100, we reserve the right to reduce the frequency of payments to an interval that would result in each payment being at least $100. You may discontinue Systematic Withdrawals at any time by notifying us in writing at our Home Office or by telephone. You may request that we pay any remaining payments in a lump sum. See the "Requesting Payments" provision of this prospectus. Each Systematic Withdrawal is subject to federal income taxes on any portion considered gain for tax purposes. In addition, you may be assessed a 10% IRS penalty tax on Systematic Withdrawals if you are under age 59 1/2 at the time of the withdrawal. Both partial withdrawals at your specific request and withdrawals under a Systematic Withdrawal program will count toward the limit of the amount that you may withdraw in any contract year free of any surrender charges under the free withdrawal privilege. See the "Surrender Charge" provision of this prospectus. In addition, if you elect one of the Guaranteed Minimum Withdrawal Benefit Rider Options, partial withdrawals and withdrawals under a Systematic Withdrawal program may reduce the amount of the guaranteed minimum withdrawal benefit you are eligible to receive under the terms of the rider. See the "Guaranteed Minimum Withdrawal Benefit Rider Options" provision below. Your Systematic Withdrawal amount may be affected if you take an additional partial withdrawal. Systematic Withdrawals (including any Systematic Withdrawal immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program, as well as partial withdrawals taken pursuant to the terms of a Guaranteed Minimum Withdrawal Benefit Option) will reduce your death benefit by the proportion that each Systematic Withdrawal (including any applicable surrender charges and premium taxes assessed) reduces your Contract Value. See the "Death of Owner and/or Annuitant" provision of this prospectus. For contracts issued on or after September 2, 2003, or the date on which state insurance authorities approve applicable contract modifications, taking systematic withdrawals from the Subaccounts may further reduce or restrict the amount that may be allocated to the Guarantee Account (see "The Guarantee Account" provision of this prospectus). There is no charge for participation in the Systematic Withdrawal program, however, we reserve the right to prohibit participation in Systematic Withdrawal and Dollar Cost Averaging programs at the same time. We also reserve the right to discontinue and/or modify the Systematic Withdrawal program upon 30 days written notice to owners. Guaranteed Minimum Withdrawal Benefit Rider Options We designed the Guaranteed Minimum Withdrawal Benefit Rider Options to protect you from outliving your Contract Value by providing for a guaranteed minimum withdrawal benefit that is not affected by the market performance of the Subaccounts in which your assets are allocated. Prior to the Annuity Commencement Date, if you meet the conditions of the respective rider, as discussed more fully below, you will be eligible to make these guaranteed withdrawals for the life of your contract. These Guaranteed Minimum Withdrawal Benefit Rider Options are discussed in separate sections below. Because this contract is no longer offered and sold, none of the Guaranteed Minimum Withdrawal Benefit Rider Options are available to purchase under the contract. Lifetime Income Plus Solution Lifetime Income Plus Solution provides guaranteed withdrawals for the life of the Annuitant(s), with upside potential, provided you meet certain conditions. First, you must allocate all purchase payments and Contract Value to the prescribed Investment Strategy. You must also limit total Gross 65 Withdrawals in each Benefit Year to an amount no greater than the Withdrawal Limit. Then, you will be eligible to receive total Gross Withdrawals in each Benefit Year equal to the Withdrawal Limit until the last death of an Annuitant. You may purchase Lifetime Income Plus Solution with or without the Principal Protection Death Benefit. The Principal Protection Death Benefit is a feature available only with Lifetime Income Plus Solution. It cannot be elected separately from Lifetime Income Plus Solution. We assess a charge for the guaranteed minimum withdrawal benefit provided by the rider. If you purchase Lifetime Income Plus Solution with the Principal Protection Death Benefit, a charge will be assessed for the Principal Protection Death Benefit that is in addition to the charge for the guaranteed minimum withdrawal benefit under the rider. The guaranteed minimum withdrawal benefit provided under the rider may be reduced or lost based on the withdrawals you take from the contract. For example, your guaranteed minimum withdrawal benefit will be reduced if you take excess withdrawals in a Benefit Year. See the "Impact of Withdrawals" provision below. You will also lose the guaranteed minimum withdrawal benefit if you annuitize or surrender the contract or if you elect to terminate the rider on any contract anniversary on or after the fifth contract anniversary. In addition, you will no longer receive lifetime payments of your guaranteed minimum withdrawal benefit if (i)(a) after a withdrawal, your Contract Value is less than the amount required to keep your contract in effect or (b) your Contract Value is reduced to $100 and (ii) your Withdrawal Limit is less than $100. Instead, you could receive, at least, a lump sum equal to the present value of future lifetime payments in the amount of the Withdrawal Limit. The Principal Protection Death Benefit provided under the rider, if elected, will be reduced and may be lost based on withdrawals you take from the contract. You will also lose the Principal Protection Death Benefit if you annuitize or surrender the contract or if you elect to terminate the rider. Because this contract is no longer offered and sold, Lifetime Income Plus Solution and the Principal Protection Death Benefit are no longer available to purchase under the contract. References to Lifetime Income Plus Solution include a rider issued with or without the Principal Protection Death Benefit, as applicable, unless stated otherwise. Effective May 1, 2014, you may request to terminate this rider (without terminating the contract) on any business day. Investment Strategy for Lifetime Income Plus Solution. In order to receive the full benefit provided by Lifetime Income Plus Solution, you must invest all purchase payments and allocations in accordance with a prescribed Investment Strategy. Investment Strategies may change from time to time. You may allocate your assets in accordance with your Investment Strategy prescribed at the time the contract was issued, or in accordance with the Investment Strategy in effect at the time you reset your benefit. Therefore, you may have assets allocated to an Investment Strategy that is different than the Investment Strategy described in this prospectus. Your ability to choose different Investment Strategies is limited, as described below. The Investment Strategy includes Designated Subaccounts and five of the Asset Allocation Models (Asset Allocation Models A, B, C and D and the Build Your Own Asset Allocation Model). Under this Investment Strategy, contract owners may allocate assets to either one of the four available Asset Allocation Models or to one or more Designated Subaccounts or to the Build Your Own Asset Allocation Model. Contract owners, however, may elect to participate in the Defined Dollar Cost Averaging program, which permits the owner to systematically transfer a fixed dollar amount on a monthly basis for twelve months from the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund to one of the available Investment Strategy options. The Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund is only available as part of the Defined Dollar Cost Averaging program. For more information about the Defined Dollar Cost Averaging program, the Asset Allocation Models and the Subaccounts comprising each of the Asset Allocation Models and the Designated Subaccounts, please see the "Defined Dollar Cost Averaging Program," "Subaccounts" and "Asset Allocation Program" provisions of this prospectus. On a monthly basis, we will rebalance your Contract Value to the Subaccounts in accordance with the percentages that you have chosen to invest in the Designated Subaccounts or the Build Your Own Asset Allocation Model or in accordance with the allocations that comprise the applicable Asset Allocation Model. In addition, we will also rebalance your Contract Value on any Valuation Day after any transaction involving a withdrawal, receipt of a purchase payment or a transfer of Contract Value, unless you instruct us otherwise. If you are participating in the Defined Dollar Cost Averaging program, rebalancing will not affect the assets allocated to the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund. Your allocation instructions must always comply with the Investment Strategy. 66 Shares of a Portfolio may become unavailable under the contract for new purchase payments, transfers and asset rebalancing. As a result, shares of a Portfolio may also become unavailable under your Investment Strategy. Investment Strategies may be modified to respond to such events by removing unavailable Portfolios and adding new Portfolios as appropriate. Because such changes may affect your allocation instructions, you will need to provide updated allocation instructions to comply with the modified Investment Strategy. If you do not provide updated allocation instructions, any subsequent purchase payments or transfers requesting payment to an unavailable Portfolio will be considered not in good order. Assets will remain invested as allocated at the time the Portfolio became unavailable, except in a situation where the affected Portfolio is removed. In that case, the assets that were invested in the removed Portfolio will be invested in a new Portfolio consistent with SEC precedent (appropriate no-action relief, substitution order, etc.), unless you are invested in the Build Your Own Asset Allocation Model. If you are invested in the Build Your Own Asset Allocation Model, all of the assets you have invested in the Build Your Own Asset Allocation Model will be moved from the Model to Asset Allocation Model C. Your assets will remain in Asset Allocation Model C, and any subsequent purchase payments or transfer requests will be applied accordingly. You will need to provide us with updated allocation instructions if you want to invest in the Build Your Own Asset Allocation Model or another available Investment Strategy option. Periodic rebalancing to unavailable Portfolios will cease until we receive updated allocation instructions that comply with the modified Investment Strategy. The current Investment Strategy for Lifetime Income Plus Solution is as follows: (1) owners may allocate assets to the following Designated Subaccounts: AB Variable Products Series Fund, Inc. -- AB Balanced Wealth Strategy Portfolio -- Class B; AIM Variable Insurance Funds (Invesco Variable Insurance Funds) -- Invesco V.I. Conservative Balanced Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares); AIM Variable Insurance Funds (Invesco Variable Insurance Funds) -- Invesco V.I. Equity and Income Fund -- Series II shares; BlackRock Variable Series Funds, Inc. -- BlackRock Global Allocation V.I. Fund -- Class III Shares; Fidelity Variable Insurance Products Fund -- VIP Balanced Portfolio -- Service Class 2; Janus Aspen Series -- Janus Henderson Balanced Portfolio -- Service Shares; MFS(R) Variable Insurance Trust -- MFS(R) Total Return Series -- Service Class Shares; and/or State Street Variable Insurance Series Funds, Inc. -- Total Return V.I.S. Fund -- Class 3 Shares; OR (2) owners may allocate assets to Asset Allocation Model A, B, C or D; OR (3) owners may allocate assets to the Build Your Own Asset Allocation Model. Contract owners may elect to participate in the Defined Dollar Cost Averaging program when they apply for the contract. Defined Dollar Cost Averaging permits the owner to systematically transfer a fixed dollar amount on a monthly basis for twelve months from the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund to one of the available Investment Strategy options. The Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund is only available as part of the Defined Dollar Cost Averaging program. Withdrawal Limit. The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit is the benefit base multiplied by the Withdrawal Factor. The Withdrawal Factor percentages will be provided in your contract. The Withdrawal Factor is based on the age of the younger Annuitant. The Withdrawal Factor will be fixed on the earlier of the Valuation Day of the first withdrawal and the Valuation Day when the Contract Value is reduced to $100. Benefit Base. The benefit base is an amount used to establish the Withdrawal Limit. The benefit base on the Contract Date is equal to the initial purchase payment. On each Valuation Day, the benefit base is the greatest of the Purchase Payment Benefit Amount, the Roll-Up Value and the Maximum Anniversary Value. The benefit base may change as a result of a purchase payment, withdrawal, or reset as described below. Purchase Payments. Any purchase payment applied to your contract will adjust your Purchase Payment Benefit Amount and Principal Protection Death Benefit (if applicable), and may adjust your Roll-Up Value as described in the "Roll-Up Value" 67 provision below. You must allocate all purchase payments and Contract Value to the Investment Strategy at all times. We reserve the right to not adjust the Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable), and/or the Roll-Up Value for any subsequent purchase payments. Please see the "Important Note" provision below. Purchase Payment Benefit Amount. The Purchase Payment Benefit Amount will equal your purchase payments unless adjusted as described in this provision. If no withdrawals are taken prior to the later of the tenth anniversary of the Contract Date and the date the older Annuitant turns age 65, your Purchase Payment Benefit Amount will equal the sum of (a) plus (b), where: (a) is 200% of purchase payments made in the first contract year; and (b) is purchase payments received after the first contract year. On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus all prior Gross Withdrawals within that Benefit Year is in excess of the Withdrawal Limit, your Purchase Payments Benefit Amount will be reduced on a pro-rata basis by the excess amount as described in the "Impact of Withdrawals" provision below. Roll-Up Value. Your Roll-Up Value on the Contract Date is equal to the amount of your initial purchase payment. We will increase your Roll-Up Value on each day. The new Roll-Up Value is equal to the sum of (a) and (b), multiplied by (c), where: (a) is the Roll-Up Value on the prior day; (b) is any purchase payment(s) made on the prior Valuation Day; and (c) is the daily roll-up factor, as shown in your contract. On each contract anniversary, if the Maximum Anniversary Value is greater than the current Roll-Up Value, the Roll-Up Value will be increased to the Maximum Anniversary Value. If this day is not a Valuation Day, this adjustment will occur on the next Valuation Day. The Roll-Up Value will continue to increase until the date of the first withdrawal or the later of the tenth anniversary of the Contract Date and the date the older Annuitant turns age 65. The Roll-Up Value will not increase after this date. On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus all prior Gross Withdrawals within that Benefit Year is in excess of the Withdrawal Limit, your Roll-Up Value will be reduced on a pro-rata basis by the excess amount as described in the "Impact of Withdrawals" provision below. The Roll-Up Value will not increase after this date. Maximum Anniversary Value and Reset. The Maximum Anniversary Value on the Contract Date is equal to the initial purchase payment. On each contract anniversary, if the Contract Value is greater than the current Maximum Anniversary Value, the Maximum Anniversary Value will be increased to the Contract Value. If this day is not a Valuation Day, this reset will occur on the next Valuation Day. On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus all prior Gross Withdrawals within that Benefit Year is in excess of the Withdrawal Limit, your Maximum Anniversary Value will be reduced on a pro-rata basis by the excess amount as described in the "Impact of Withdrawals" provision below. On the Valuation Day we reset your Maximum Anniversary Value, we will reset the Investment Strategy to the current Investment Strategy and reset the charges for this rider. Effective on and after December 3, 2012, the charge for Lifetime Income Plus Solution increased, on an annual basis, to 1.25% upon reset of the Maximum Anniversary Value. The rider charge increase applies to both single and joint annuitant contracts regardless of the date the contract was issued. If you are potentially impacted, you will receive written notice in advance of your contract anniversary informing you of your options as well as a discussion of certain circumstances in which a reset would not be in your best interest. If your rider is scheduled to automatically reset, you will have the opportunity to opt-out of the automatic reset and resulting rider charge increase. If you have to request a manual reset, you will have the opportunity to reset and, if you reset, incur the higher rider charge. We reserve the right to discontinue sending written notice of the potential impact of a reset after we send you the first notice. As noted, if there is an automatic reset, your Maximum Anniversary Value will be increased to your Contract Value. However, the Maximum Anniversary Value is just one element used to determine your Benefit Base which is in turn used to calculate your Withdrawal Limit. The Benefit Base is the greatest of the Maximum Anniversary Value, Purchase Payment Benefit Amount and the Roll-Up Value. If your Maximum Anniversary Value resets but your Roll-Up Value or Purchase Payment Benefit Amount is higher than your Maximum Anniversary Value on the date of reset, the Roll-Up Value or Purchase Payment Benefit Amount will be used to determine your Benefit Base, but you will be assessed a rider charge of 1.25% because of the reset of the Maximum Anniversary Value. In this circumstance, if your rider fee was 68 less than 1.25% before the reset, you will pay a higher rider fee for a benefit that you would have received even without the reset. For Lifetime Income Plus Solution without the Principal Protection Death Benefit, the new charges, which may be higher than your previous charges, will never exceed 2.00% of the benefit base. For Lifetime Income Plus Solution with the Principal Protection Death Benefit, the new charges, which may be higher than your previous charges, will never exceed 2.00% of the benefit base plus 0.50% of the value of the Principal Protection Death Benefit. Resets will occur automatically unless such automatic resets are or have been terminated. Any change to the charges or to the required Investment Strategy for this rider will be communicated to you in writing prior to the contract anniversary date. Upon reset, these changes will apply. The reset provision is not available on or after the latest permitted Annuity Commencement Date. Automatic resets will continue until and unless: (a) the owner (or owners) submits a written request to our Home Office to terminate automatic resets (such a request must be received at least 15 days prior to the contract anniversary date); (b) the Investment Strategy changes, allocations are affected, and we do not receive confirmation of new allocations from you at our Home Office; (c) income payments begin via annuitization; or (d) ownership of the contract changes. If automatic resets have terminated, you may later reinstate automatic resets for any future contract anniversary by submitting a written request to do so; provided you are following the Investment Strategy and income payments have not begun. Please note that an automatic reset will occur on a contract anniversary if Contract Value is even nominally higher than the Maximum Anniversary Value (e.g., as little as $1.00 or even $0.01 higher) and, therefore, an automatic reset may not be in your best interest because: (i) the charges for this rider may be higher than your previous charges and (ii) the Investment Strategy will be reset to the current Investment Strategy (the Investment Strategy offered on the reset date). Please carefully consider the impact of automatic resets when you elect Lifetime Income Plus Solution and while the rider is in effect. As indicated above, you may terminate the automatic reset feature of the rider at any time by submitting a written request to us at our Home Office at least 15 days prior to the contract anniversary date. Important Note. We reserve the right to not adjust the Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable), and/or Roll-Up Value for any subsequent purchase payments received. As a result, it is possible that you would not be able to make subsequent purchase payments after the initial purchase payment to take advantage of the benefits provided by Lifetime Income Plus Solution that would be associated with such additional purchase payments. Before making purchase payments that do not increase the Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable) or Roll-Up Value, you should consider that: (i) the guaranteed amounts provided by the Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable) and Roll-Up Value will not include such purchase payments; and (ii) this rider may not make sense for you if you intend to make subsequent purchase payments that will not increase the Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable) and Roll-Up Value. Impact of Withdrawals. If a Gross Withdrawal plus all prior Gross Withdrawals within a Benefit Year is in excess of the Withdrawal Limit, your Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable), Roll-Up Value, and Maximum Anniversary Value will be recalculated to reflect a pro-rata reduction for each dollar that is in excess of your Withdrawal Limit. Your new Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable), Roll-Up Value and Maximum Anniversary Value after such a withdrawal will be calculated by multiplying each of (a) by (b), divided by (c), where: (a) is the Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable), Roll-Up Value and Maximum Anniversary Value before the Gross Withdrawal; (b) is the Contract Value after the Gross Withdrawal; and (c) is the Contract Value before the Gross Withdrawal reduced by any remaining Withdrawal Limit. For purposes of (c) above, "any remaining Withdrawal Limit" is the Gross Withdrawal that could have been taken without exceeding the Withdrawal Limit. When requesting an excess withdrawal, we will attempt to contact you or your representative to confirm that you understand the implications of the excess withdrawal and would like to proceed with the request. If the total Gross Withdrawals in a Benefit Year are less than or equal to the Withdrawal Limit, we will waive any surrender charge on the Gross Withdrawal. 69 The Withdrawal Limit will be increased for any Benefit Year to the extent necessary to meet any minimum distribution requirements based on life expectancy under federal tax law. This increase applies only to the required minimum distribution based on the Contract Value for the calendar year ending within the Benefit Year. You should carefully manage withdrawals because excess withdrawals will have adverse consequences on the benefits provided under Lifetime Income Plus Solution, particularly in down markets. Over the period of time during which you take withdrawals, there is the risk that you may need funds in excess of the Withdrawal Limit and, if you do not have other sources of income available, you may need to take (excess) withdrawals that will reduce your Purchase Payment Benefit Amount, the Principal Protection Death Benefit (if applicable), your Roll-Up Value and your Maximum Anniversary Value (and, consequently, your Withdrawal Limit). You also should carefully consider when to begin taking withdrawals if you elected Lifetime Income Plus Solution. The longer you wait before beginning to take withdrawals, the higher the Withdrawal Factor will be, which is one of the components used to determine the amount of your Withdrawal Limit. If you delay taking withdrawals too long, however, you may limit the number of years available for you to take withdrawals in the future (due to life expectancy) and you may be paying for a benefit you are not using. Your Contract Value after taking a withdrawal may be less than the amount required to keep your contract in effect. In this event, or if your Contract Value is reduced to $100, the following will occur: . If the Withdrawal Limit is less than $100, we will pay you the greatest of the following: (a) the Contract Value; (b) a lump sum equal to the present value of future lifetime payments in the amount of the Withdrawal Limit calculated using the 2000 Annuity Mortality Table and an interest rate of 3%; and (c) the Principal Protection Death Benefit (if applicable). . If the Withdrawal Limit is greater than or equal to $100, we will begin income payments. We will make payments of a fixed amount for the life of the Annuitant or, if there are Joint Annuitants, the last surviving Annuitant. The fixed amount payable annually will equal the most recently calculated Withdrawal Limit. We will make payments monthly or on another periodic basis agreed by us. If the monthly amount is less than $100, we will reduce the frequency so that the payment will be at least $100. The Principal Protection Death Benefit (if applicable) will continue under this provision. The Principal Protection Death Benefit will be reduced by each payment. The Principal Protection Death Benefit, if any, will be payable on the death of the last surviving Annuitant. Principal Protection Death Benefit. You may purchase Lifetime Income Plus Solution with the Principal Protection Death Benefit. The Principal Protection Death Benefit is a feature available only with Lifetime Income Plus Solution. It cannot be elected separately from Lifetime Income Plus Solution. The Principal Protection Death Benefit is used to determine the death benefit, if any, payable under the contract and rider as described in the "Death Provisions" section below. The Principal Protection Death Benefit on the Contract Date is equal to the initial purchase payment. Purchase payments in a Benefit Year increase the Principal Protection Death Benefit. The Principal Protection Death Benefit, if any, will be payable on the death of the last surviving Annuitant. Gross Withdrawals in a Benefit Year decrease the Principal Protection Death Benefit. If a Gross Withdrawal plus all prior Gross Withdrawals within a Benefit Year is less than or equal to the Withdrawal Limit, the Principal Protection Death Benefit will be reduced by the Gross Withdrawal. If a Gross Withdrawal plus all prior Gross Withdrawals within a Benefit Year is in excess of the Withdrawal Limit, your Principal Protection Death Benefit will be reduced on a pro-rata basis for each dollar that is in excess of your Withdrawal Limit, as described in the "Impact of Withdrawals" provision above. At the death of the last surviving Annuitant, a death benefit may be payable under this contract and rider. The amount of any death benefit payable will be the greatest of (a), (b) and (c), where: (a) is the death benefit as calculated under the base contract; (b) is the Principal Protection Death Benefit (if applicable); and (c) is any amount payable by any other optional death benefit rider (if applicable). Death Provisions. At the death of any Annuitant, a death benefit may be payable under the contract. The death benefit payable, if any, will be paid according to the distribution rules under the contract. 70 If the designated beneficiary is a surviving spouse who is not an Annuitant, whose age is 45 through 85, and who elects to continue the contract as the new owner, this rider will continue. The Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable), Roll-Up Value and Maximum Anniversary Value for the new owner will be the death benefit determined as of the first Valuation Day we receive at our Home Office due proof of death and all required forms. The Withdrawal Factor for the new owner will be based on the age of that owner on the date of the first Gross Withdrawal for that owner. If the designated beneficiary is a surviving spouse who is an Annuitant and who elects to continue the contract as the owner, this rider will continue. The Purchase Payment Benefit Amount, Principal Protection Death Benefit (if applicable), Roll-Up Value and Maximum Anniversary Value will be the same as it was under the contract for the deceased owner. If no withdrawals were taken prior to the first Valuation Day we receive due proof of death and all required forms at our Home Office, the Withdrawal Factor for the surviving spouse will be established based on the age of the surviving spouse on the date of the first Gross Withdrawal for the surviving spouse. Otherwise, the Withdrawal Factor will continue as it was under the contract for the deceased owner. If the surviving spouse cannot continue the rider, the rider and the rider charges will terminate. The charges for this rider will be calculated, pro rata, and deducted. Proceeds that were transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund upon the death of the owner will be reallocated to the Investment Strategy and the asset percentages then in effect at the time of the death of the owner. Such reallocations will not be counted as a transfer for the purpose of the number of transfers allowed under the contract in a calendar year. Considerations. While the rider is designed to provide life-time withdrawal benefits, these benefits are only guaranteed to the extent you comply with the limits, conditions and restrictions set forth in the contract. Rider Charge. We assess a charge for the guaranteed minimum withdrawal benefit provided by the rider. The charge for the guaranteed minimum withdrawal benefit is calculated quarterly as a percentage of the benefit base, as defined and determined under the rider, and deducted quarterly from the Contract Value. Please note that, if your benefit base increases, the amount deducted from your Contract Value will increase. If you purchase Lifetime Income Plus Solution with the Principal Protection Death Benefit, a charge will be assessed for the Principal Protection Death Benefit that is in addition to the charge for the guaranteed minimum withdrawal benefit under the rider. The charge for the Principal Protection Death Benefit is calculated quarterly as a percentage of the value of the Principal Protection Death Benefit, as defined and determined under the rider, and deducted quarterly from the Contract Value. Please note that, if the value of the Principal Protection Death Benefit increases through additional purchase payments, the amount deducted from your Contract Value will increase. The charge for the Principal Protection Death Benefit is higher if any annuitant is age 71 or older at the time of application. If you reset your benefits under the rider, we will reset the charges for the rider, which may be higher than your previous charges. For contracts issued with Lifetime Income Plus Solution on or after January 5, 2009 and that have reset their Maximum Anniversary Value on or after December 3, 2012, we currently assess the following charges for the rider, calculated and deducted as described above: Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 1.25% of benefit base --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.20% of value of Principal Protection Death Benefit --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.50% of value of Principal Protection Death Benefit --------------------------------------------------------------------- For contracts issued with Lifetime Income Plus Solution on or after January 5, 2009 and that have not reset their Maximum Anniversary Value on or after December 3, 2012, we currently assess the following charges for the rider, calculated and deducted as described above: Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 0.95% of benefit base --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 0.95% of benefit base plus 0.20% of value of Principal Protection Death Benefit --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 0.95% of benefit base plus 0.50% of value of Principal Protection Death Benefit --------------------------------------------------------------------- 71 For contracts issued with Lifetime Income Plus Solution before January 5, 2009 and that have reset their Maximum Anniversary Value on or after December 3, 2012, we currently assess the following charges for the rider, calculated and deducted as described above: Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 1.25% of benefit base --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.15% of value of Principal Protection Death Benefit --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.40% of value of Principal Protection Death Benefit --------------------------------------------------------------------- For contracts issued with Lifetime Income Plus Solution before January 5, 2009 and that have not reset their Maximum Anniversary Value on or after December 3, 2012, we currently assess the following charges for the rider, calculated and deducted as described above: Lifetime Income Plus Solution without the Principal Protection Death Benefit Single or Joint Annuitant Contract 0.85% of benefit base --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 0.85% of benefit base plus 0.15% of value of Principal Protection Death Benefit --------------------------------------------------------------------- Lifetime Income Plus Solution with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 0.85% of benefit base plus 0.40% of value of Principal Protection Death Benefit --------------------------------------------------------------------- The charges for Lifetime Income Plus Solution without the Principal Protection Death Benefit will never exceed 2.00% of benefit base. The charges for Lifetime Income Plus Solution with the Principal Protection Death Benefit will never exceed 2.00% of benefit base plus 0.50% of the value of the Principal Protection Death Benefit. On the day the rider and/or the contract terminates, the charges for this rider will be calculated, pro rata, and deducted. Please note that you will begin paying the rider charge (including the applicable charge associated with the Principal Protection Death Benefit if you have elected that option) as of the date the rider takes effect, even if you do not begin taking withdrawals under the rider for many years, or ever. We will not refund the charges you have paid under the rider if you never choose to take withdrawals and/or if you never receive any payments under the rider; nor will we refund charges if the Principal Protection Death Benefit feature under a contract does not pay out. When the Rider is Effective If available, Lifetime Income Plus Solution and the Principal Protection Death Benefit must be elected at application. The rider will remain in effect while the contract is in force and before the Annuity Commencement Date. Effective May 1, 2014, you may request to terminate this rider (without terminating the contract) on any business day. The rider will terminate on the first day of the next quarter as measured from the contract anniversary (i.e., not a calendar quarter). Rider charges will continue from the date of the request to terminate until the date of termination. On the day the rider and/or the contract terminates, the charges for this rider will be calculated, pro rata, and deducted. We are waiving the provision in the rider that limits the ability to terminate the rider to any contract anniversary on or after the fifth contract anniversary. Otherwise this rider and the corresponding charges will terminate on the Annuity Commencement Date. Please note that, upon termination of this rider, you will lose all of the benefits for which you are eligible under the rider, including any guaranteed minimum withdrawal benefits provided by the rider. At any time before the Annuity Commencement Date, you can elect to annuitize under current annuity rates in lieu of continuing Lifetime Income Plus Solution. This may provide a higher income amount and/or more favorable tax treatment than payments made under this rider. Change of Ownership We must approve any assignment or sale of this contract unless the assignment is a court ordered assignment. General Provisions For purposes of this rider: . A non-natural entity owner must name an Annuitant and may name the Annuitant's spouse as a Joint Annuitant. . An individual owner must also be an Annuitant and may name his or her spouse as a Joint Annuitant at issue. . A joint owner must be the owner's spouse. 72 . If you marry after issue, you may add your spouse as a joint owner and Joint Annuitant or as a Joint Annuitant only, subject to our approval. . Under federal tax law, all contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Civil union partners are not permitted to continue the contract without taking required distributions upon the death of an owner. Therefore, even if named a joint owner/Joint Annuitant, a civil union partner will have to take required distributions upon the death of the other joint owner/Joint Annuitant. See the "Distribution Rules" provision of this prospectus. If this situation applies to you, you should consult a tax adviser. 73 Examples The following examples show how Lifetime Income Plus Solution works based on hypothetical values. The examples are for illustrative purposes only and are not intended to depict investment performance of the contract and, therefore, should not be relied upon in making a decision to invest in the rider or contract. The examples assume current rider charges for all periods shown. If an owner resets the benefits under the rider, we reset the charges for the rider, which may be higher than the previous charges. Higher rider charges would produce lower values in the examples. This example assumes: (1) the owner, who is also the Annuitant, purchases the contract with $100,000 and elects Lifetime Income Plus Solution without the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 55 at issue, waits until after reaching age 65 before taking a withdrawal, and has a Withdrawal Factor of 5.5%; (4) the Roll-Up Value increases until age 65 and the Purchase Payment Benefit Amount after the owner turns age 65 equals $200,000 (200% of purchase payments made in the first contract year); (5) the contract earns a net return of -2% before rider charges are deducted; and (6) the owner dies upon reaching age 90.

Purchase Contract Value - Payment Maximum Withdrawals End of Year - Benefit Anniversary Roll-Up Death Age - Contract Value - Taken - After Rider Amount - Value - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------------------- 55 $100,000 $ 0 $96,713 $100,000 $100,000 $106,000 $106,000 $100,000 56 96,713 0 93,415 100,000 100,000 112,360 112,360 100,000 57 93,415 0 90,101 100,000 100,000 119,102 119,102 100,000 58 90,101 0 86,766 100,000 100,000 126,248 126,248 100,000 59 86,766 0 83,406 100,000 100,000 133,823 133,823 100,000 60 83,406 0 80,016 100,000 100,000 141,852 141,852 100,000 61 80,016 0 76,590 100,000 100,000 150,363 150,363 100,000 62 76,590 0 73,123 100,000 100,000 159,385 159,385 100,000 63 73,123 0 69,609 100,000 100,000 168,948 168,948 100,000 64 69,609 0 66,043 100,000 100,000 179,085 179,085 100,000 65 66,043 11,000 51,386 200,000 100,000 189,830 200,000 82,368 66 51,386 11,000 36,877 200,000 100,000 189,830 200,000 63,443 67 36,877 11,000 22,628 200,000 100,000 189,830 200,000 42,691 68 22,628 11,000 8,664 200,000 100,000 189,830 200,000 18,810 69 8,664 11,000 0 200,000 100,000 189,830 200,000 0 70 0 11,000 0 200,000 100,000 189,830 200,000 0 71 0 11,000 0 200,000 100,000 189,830 200,000 0 72 0 11,000 0 200,000 100,000 189,830 200,000 0 73 0 11,000 0 200,000 100,000 189,830 200,000 0 74 0 11,000 0 200,000 100,000 189,830 200,000 0 75 0 11,000 0 200,000 100,000 189,830 200,000 0 76 0 11,000 0 200,000 100,000 189,830 200,000 0 77 0 11,000 0 200,000 100,000 189,830 200,000 0 78 0 11,000 0 200,000 100,000 189,830 200,000 0 79 0 11,000 0 200,000 100,000 189,830 200,000 0 80 0 11,000 0 200,000 100,000 189,830 200,000 0 81 0 11,000 0 200,000 100,000 189,830 200,000 0 82 0 11,000 0 200,000 100,000 189,830 200,000 0 83 0 11,000 0 200,000 100,000 189,830 200,000 0 84 0 11,000 0 200,000 100,000 189,830 200,000 0 85 0 11,000 0 200,000 100,000 189,830 200,000 0 86 0 11,000 0 200,000 100,000 189,830 200,000 0 87 0 11,000 0 200,000 100,000 189,830 200,000 0 88 0 11,000 0 200,000 100,000 189,830 200,000 0 89 0 11,000 0 200,000 100,000 189,830 200,000 0 90 0 11,000 0 200,000 100,000 189,830 200,000 0 -------------------------------------------------------------------------------------------------------------------------

74 This example assumes: (1) the owner, who is also the Annuitant, purchases the contract with $100,000 and elects Lifetime Income Plus Solution with the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 55 at issue, waits until after reaching age 65 before taking a withdrawal, and has a Withdrawal Factor of 5.5%; (4) the Roll-Up Value increases until age 65 and the Purchase Payment Benefit Amount after the owner turns age 65 equals $200,000 (200% of purchase payments made in the first contract year); (5) the contract earns a net return of -2% before rider charges are deducted; and (6) the owner dies upon reaching age 90.

Purchase Contract Value - Payment Maximum Withdrawals End of Year - Benefit Anniversary Roll-Up Death Age - Contract Value - Taken - After Rider Amount - Value - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------------------- 55 $100,000 $ 0 $96,515 $100,000 $100,000 $106,000 $106,000 $100,000 56 96,515 0 93,022 100,000 100,000 112,360 112,360 100,000 57 93,022 0 89,517 100,000 100,000 119,102 119,102 100,000 58 89,517 0 85,995 100,000 100,000 126,248 126,248 100,000 59 85,995 0 82,452 100,000 100,000 133,823 133,823 100,000 60 82,452 0 78,883 100,000 100,000 141,852 141,852 100,000 61 78,883 0 75,281 100,000 100,000 150,363 150,363 100,000 62 75,281 0 71,642 100,000 100,000 159,385 159,385 100,000 63 71,642 0 67,959 100,000 100,000 168,948 168,948 100,000 64 67,959 0 64,228 100,000 100,000 179,085 179,085 100,000 65 64,228 11,000 49,408 200,000 100,000 189,830 200,000 89,000 66 49,408 11,000 34,762 200,000 100,000 189,830 200,000 78,000 67 34,762 11,000 20,401 200,000 100,000 189,830 200,000 67,000 68 20,401 11,000 6,349 200,000 100,000 189,830 200,000 56,000 69 6,349 11,000 0 200,000 100,000 189,830 200,000 45,000 70 0 11,000 0 200,000 100,000 189,830 200,000 34,000 71 0 11,000 0 200,000 100,000 189,830 200,000 23,000 72 0 11,000 0 200,000 100,000 189,830 200,000 12,000 73 0 11,000 0 200,000 100,000 189,830 200,000 1,000 74 0 11,000 0 200,000 100,000 189,830 200,000 0 75 0 11,000 0 200,000 100,000 189,830 200,000 0 76 0 11,000 0 200,000 100,000 189,830 200,000 0 77 0 11,000 0 200,000 100,000 189,830 200,000 0 78 0 11,000 0 200,000 100,000 189,830 200,000 0 79 0 11,000 0 200,000 100,000 189,830 200,000 0 80 0 11,000 0 200,000 100,000 189,830 200,000 0 81 0 11,000 0 200,000 100,000 189,830 200,000 0 82 0 11,000 0 200,000 100,000 189,830 200,000 0 83 0 11,000 0 200,000 100,000 189,830 200,000 0 84 0 11,000 0 200,000 100,000 189,830 200,000 0 85 0 11,000 0 200,000 100,000 189,830 200,000 0 86 0 11,000 0 200,000 100,000 189,830 200,000 0 87 0 11,000 0 200,000 100,000 189,830 200,000 0 88 0 11,000 0 200,000 100,000 189,830 200,000 0 89 0 11,000 0 200,000 100,000 189,830 200,000 0 90 0 11,000 0 200,000 100,000 189,830 200,000 0 -------------------------------------------------------------------------------------------------------------------------

75 This example assumes: (1) the owner, who is also the Annuitant, purchases the contract with $100,000 and elects Lifetime Income Plus Solution without the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 52 at issue, waits until after reaching age 65 before taking a withdrawal, and has a Withdrawal Factor of 5.5%; (4) the Roll-Up Value increases until age 65 and the Purchase Payment Benefit Amount after the owner turns age 65 equals $200,000 (200% of purchase payments made in the first contract year); (5) at age 70, the owner takes an excess withdrawal of $10,000; (6) the contract earns a net return of 8% before rider charges are deducted; and (7) the owner dies upon reaching age 90.

Purchase Contract Value - Payment Maximum Withdrawals End of Year - Benefit Anniversary Roll-Up Death Age - Contract Value - Taken - After Rider Amount - Value - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------------------- 52 $100,000 $ 0 $106,666 $100,000 $100,000 $106,000 $106,000 $106,666 53 106,666 0 113,776 100,000 106,666 113,066 113,066 113,776 54 113,776 0 121,360 100,000 113,776 120,602 120,602 121,360 55 121,360 0 129,449 100,000 121,360 128,641 128,641 129,449 56 129,449 0 138,078 100,000 129,449 137,216 137,216 138,078 57 138,078 0 147,281 100,000 138,078 146,362 146,362 147,281 58 147,281 0 157,099 100,000 147,281 156,118 156,118 157,099 59 157,099 0 167,570 100,000 157,099 166,525 166,525 167,570 60 167,570 0 178,740 100,000 167,570 177,625 177,625 178,740 61 178,740 0 190,654 100,000 178,740 189,464 189,464 190,654 62 190,654 0 203,363 100,000 190,654 202,093 202,093 203,363 63 203,363 0 216,918 100,000 203,363 215,564 215,564 216,918 64 216,918 0 231,377 100,000 216,918 229,933 229,933 231,377 65 231,377 13,489 233,311 200,000 231,377 245,260 245,260 233,311 66 233,311 13,489 235,330 200,000 233,311 245,260 245,260 235,330 67 235,330 13,489 237,511 200,000 235,330 245,260 245,260 237,511 68 237,511 13,489 239,866 200,000 237,511 245,260 245,260 239,866 69 239,866 13,489 242,410 200,000 239,866 245,260 245,260 242,410 70 242,410 23,489 235,157 200,000 242,410 245,260 245,260 235,157 71 235,157 12,939 238,003 191,842 232,522 235,255 235,255 238,003 72 238,003 13,090 243,953 191,842 238,003 235,255 238,003 243,953 73 243,953 13,417 250,052 191,842 243,953 235,255 243,953 250,052 74 250,052 13,753 256,303 191,842 250,052 235,255 250,052 256,303 75 256,303 14,097 262,711 191,842 256,303 235,255 256,303 262,711 76 262,711 14,449 269,279 191,842 262,711 235,255 262,711 269,279 77 269,279 14,810 276,011 191,842 269,279 235,255 269,279 276,011 78 276,011 15,181 282,911 191,842 276,011 235,255 276,011 282,911 79 282,911 15,560 289,984 191,842 282,911 235,255 282,911 289,984 80 289,984 15,949 297,233 191,842 289,984 235,255 289,984 297,233 81 297,233 16,348 304,664 191,842 297,233 235,255 297,233 304,664 82 304,664 16,757 312,281 191,842 304,664 235,255 304,664 312,281 83 312,281 17,175 320,088 191,842 312,281 235,255 312,281 320,088 84 320,088 17,605 328,090 191,842 320,088 235,255 320,088 328,090 85 328,090 18,045 336,292 191,842 328,090 235,255 328,090 336,292 86 336,292 18,496 344,699 191,842 336,292 235,255 336,292 344,699 87 344,699 18,958 353,317 191,842 344,699 235,255 344,699 353,317 88 353,317 19,432 362,150 191,842 353,317 235,255 353,317 362,150 89 362,150 19,918 371,204 191,842 362,150 235,255 362,150 371,204 90 371,204 20,416 380,484 191,842 371,204 235,255 371,204 380,484 -------------------------------------------------------------------------------------------------------------------------

76 This example assumes: (1) the owner, who is also the Annuitant, purchases the contract with $100,000 and elects Lifetime Income Plus Solution without the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 72 at issue, waits ten years before taking a withdrawal, and has a Withdrawal Factor of 7%; (4) the Roll-Up Value increases for ten years and the Purchase Payment Benefit Amount at the end of ten years equals $200,000 (200% of purchase payments made in the first contract year); (5) the contract earns a net return of 8% before rider charges are deducted; and (6) the owner dies upon reaching age 90.

Purchase Contract Value - Payment Maximum Withdrawals End of Year - Benefit Anniversary Roll-Up Death Age - Contract Value - Taken - After Rider Amount - Value - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------------------- 72 $100,000 $ 0 $106,666 $100,000 $100,000 $106,000 $106,000 $106,666 73 106,666 0 113,776 100,000 106,666 113,066 113,066 113,776 74 113,776 0 121,360 100,000 113,776 120,602 120,602 121,360 75 121,360 0 129,449 100,000 121,360 128,641 128,641 129,449 76 129,449 0 138,078 100,000 129,449 137,216 137,216 138,078 77 138,078 0 147,281 100,000 138,078 146,362 146,362 147,281 78 147,281 0 157,099 100,000 147,281 156,118 156,118 157,099 79 157,099 0 167,570 100,000 157,099 166,525 166,525 167,570 80 167,570 0 178,740 100,000 167,570 177,625 177,625 178,740 81 178,740 0 190,654 100,000 178,740 189,464 189,464 190,654 82 190,654 14,147 189,216 200,000 190,654 202,093 202,093 189,216 83 189,216 14,147 187,606 200,000 190,654 202,093 202,093 187,606 84 187,606 14,147 185,867 200,000 190,654 202,093 202,093 185,867 85 185,867 14,147 183,989 200,000 190,654 202,093 202,093 183,989 86 183,989 14,147 181,961 200,000 190,654 202,093 202,093 181,961 87 181,961 14,147 179,771 200,000 190,654 202,093 202,093 179,771 88 179,771 14,147 177,405 200,000 190,654 202,093 202,093 177,405 89 177,405 14,147 174,850 200,000 190,654 202,093 202,093 174,850 90 174,850 14,147 172,091 200,000 190,654 202,093 202,093 172,091 -------------------------------------------------------------------------------------------------------------------------

77 This example assumes: (1) the owner, who is also the Annuitant, purchases the contract with $100,000 and elects Lifetime Income Plus Solution with the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 72 at issue, waits ten years before taking a withdrawal, and has a Withdrawal Factor of 7%; (4) the Roll-Up Value increases for ten years and the Purchase Payment Benefit Amount at the end of ten years equals $200,000 (200% of purchase payments made in the first contract year); (5) the contract earns a net return of 8% before rider charges are deducted; and (6) the owner dies upon reaching age 90.

Purchase Contract Value - Payment Maximum Withdrawals End of Year - Benefit Anniversary Roll-Up Death Age - Contract Value - Taken - After Rider Amount - Value - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------------------- 72 $100,000 $ 0 $106,151 $100,000 $100,000 $106,000 $106,000 $106,151 73 106,151 0 112,712 100,000 106,151 112,520 112,520 112,712 74 112,712 0 119,710 100,000 112,712 119,475 119,475 119,710 75 119,710 0 127,175 100,000 119,710 126,893 126,893 127,175 76 127,175 0 135,137 100,000 127,175 134,805 134,805 135,137 77 135,137 0 143,630 100,000 135,137 143,245 143,245 143,630 78 143,630 0 152,689 100,000 143,630 152,248 152,248 152,689 79 152,689 0 162,352 100,000 152,689 161,851 161,851 162,352 80 162,352 0 172,659 100,000 162,352 172,093 172,093 172,659 81 172,659 0 183,653 100,000 172,659 183,019 183,019 183,653 82 183,653 14,000 181,364 200,000 183,653 194,673 200,000 181,364 83 181,364 14,000 178,856 200,000 183,653 194,673 200,000 178,856 84 178,856 14,000 176,220 200,000 183,653 194,673 200,000 176,220 85 176,220 14,000 173,446 200,000 183,653 194,673 200,000 173,446 86 173,446 14,000 170,521 200,000 183,653 194,673 200,000 170,521 87 170,521 14,000 167,434 200,000 183,653 194,673 200,000 167,434 88 167,434 14,000 164,173 200,000 183,653 194,673 200,000 164,173 89 164,173 14,000 160,723 200,000 183,653 194,673 200,000 160,723 90 160,723 14,000 157,007 200,000 183,653 194,673 200,000 157,007 -------------------------------------------------------------------------------------------------------------------------

78 Lifetime Income Plus 2008 Lifetime Income Plus 2008 provides guaranteed withdrawals for the life of the Annuitant(s), with upside potential, provided you meet certain conditions. First, you must allocate all Contract Value to the prescribed Investment Strategy. You must also limit total Gross Withdrawals in each Benefit Year to an amount no greater than the Withdrawal Limit. Then, you will be eligible to receive total Gross Withdrawals in each Benefit Year equal to the Withdrawal Limit until the last death of an Annuitant. You may purchase Lifetime Income Plus 2008 with or without the Principal Protection Death Benefit. The Principal Protection Death Benefit is a feature available only with Lifetime Income Plus 2008. It cannot be elected separately from Lifetime Income Plus 2008. We assess a charge for the guaranteed minimum withdrawal benefit provided by the rider. If you purchase Lifetime Income Plus 2008 with the Principal Protection Death Benefit, a charge will be assessed for the Principal Protection Death Benefit that is in addition to the charge for the guaranteed minimum withdrawal benefit under the rider. The guaranteed minimum withdrawal benefit provided under the rider may be reduced or lost based on the withdrawals you take from the contract. For example, your guaranteed minimum withdrawal benefit will be reduced if you take excess withdrawals in a Benefit Year. See the "Impact of Withdrawals" provision below. You will also lose the guaranteed minimum withdrawal benefit if you annuitize or surrender the contract or if you elect to terminate the rider on any contract anniversary on or after the fifth contract anniversary. In addition, you will no longer receive lifetime payments of your guaranteed minimum withdrawal benefit if (i)(a) after a withdrawal, your Contract Value is less than the amount required to keep your contract in effect or (b) your Contract Value is reduced to $100 and (ii) your Withdrawal Limit is less than $100. Instead, you could receive, at least, a lump sum equal to the present value of future lifetime payments in the amount of the Withdrawal Limit. The Principal Protection Death Benefit provided under the rider, if elected, will be reduced and may be lost based on withdrawals you take from the contract. You will also lose the Principal Protection Death Benefit if you annuitize or surrender the contract or if you elect to terminate the rider. Because this contract is no longer offered and sold, Lifetime Income Plus 2008 and the Principal Protection Death Benefit are no longer available to purchase under the contract. References to Lifetime Income Plus 2008 include a rider issued with or without the Principal Protection Death Benefit, as applicable, unless stated otherwise. Effective May 1, 2014, you may request to terminate this rider (without terminating the contract) on any business day. Investment Strategy for Lifetime Income Plus 2008. In order to receive the full benefit provided by Lifetime Income Plus 2008, you must invest all purchase payments and allocations in accordance with a prescribed Investment Strategy. Investment Strategies may change from time to time. You may allocate your assets in accordance with your Investment Strategy prescribed at the time the contract was issued, or in accordance with the Investment Strategy in effect at the time you reset your benefit. Therefore, you may have assets allocated to an Investment Strategy that is different than the Investment Strategy described in this prospectus. Your ability to choose different Investment Strategies is limited, as described below. The Investment Strategy includes Designated Subaccounts and five of the Asset Allocation Models (Asset Allocation Models A, B, C and D and the Build Your Own Asset Allocation Model). Under this Investment Strategy, contract owners may allocate assets to either one of the four available Asset Allocation Models or to one or more Designated Subaccounts or to the Build Your Own Asset Allocation Model. Contract owners, however, may elect to participate in the Defined Dollar Cost Averaging program, which permits the owner to systematically transfer a fixed dollar amount on a monthly basis for twelve months from the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund to one of the available Investment Strategy options. The Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund or is only available as part of the Defined Dollar Cost Averaging program. For more information about the Defined Dollar Cost Averaging program, the Asset Allocation Models and the Subaccounts comprising each of the Asset Allocation Models and the Designated Subaccounts, please see the "Defined Dollar Cost Averaging Program," "Subaccounts" and "Asset Allocation Program" provisions of this prospectus. On a monthly basis, we will rebalance your Contract Value to the Subaccounts in accordance with the percentages that you have chosen to invest in the Designated Subaccounts or the Build Your Own Asset Allocation Model or in accordance with the allocations that comprise the applicable Asset Allocation Model. In addition, we will also rebalance your Contract Value on any Valuation Day after any transaction involving a withdrawal, receipt of a purchase payment or a transfer of Contract Value, unless you instruct us otherwise. If you are 79 participating in the Defined Dollar Cost Averaging program, rebalancing will not affect the assets allocated to the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund. Your allocation instructions must always comply with the Investment Strategy. Shares of a Portfolio may become unavailable under the contract for new purchase payments, transfers and asset rebalancing. As a result, shares of a Portfolio may also become unavailable under your Investment Strategy. Investment Strategies may be modified to respond to such events by removing unavailable Portfolios and adding new Portfolios as appropriate. Because such changes may affect your allocation instructions, you will need to provide updated allocation instructions to comply with the modified Investment Strategy. If you do not provide updated allocation instructions, any subsequent purchase payments or transfers requesting payment to an unavailable Portfolio will be considered not in good order. Assets will remain invested as allocated at the time the Portfolio became unavailable, except in a situation where the affected Portfolio is removed. In that case, the assets that were invested in the removed Portfolio will be invested in a new Portfolio consistent with SEC precedent (appropriate no-action relief, substitution order, etc.), unless you are invested in the Build Your Own Asset Allocation Model. If you are invested in the Build Your Own Asset Allocation Model, all of the assets you have invested in the Build Your Own Asset Allocation Model will be moved from the Model to Asset Allocation Model C. Your assets will remain in Asset Allocation Model C, and any subsequent purchase payments or transfer requests will be applied accordingly. You will need to provide us with updated allocation instructions if you want to invest in the Build Your Own Asset Allocation Model or another available Investment Strategy option. Periodic rebalancing to unavailable Portfolios will cease until we receive updated allocation instructions that comply with the modified Investment Strategy. The current Investment Strategy for Lifetime Income Plus 2008 is as follows: (1) owners may allocate assets to the following Designated Subaccounts: AB Variable Products Series Fund, Inc. -- AB Balanced Wealth Strategy Portfolio -- Class B; AIM Variable Insurance Funds (Invesco Variable Insurance Funds) -- Invesco V.I. Conservative Balanced Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares); AIM Variable Insurance Funds (Invesco Variable Insurance Funds) -- Invesco V.I. Equity and Income Fund -- Series II shares; BlackRock Variable Series Funds, Inc. -- BlackRock Global Allocation V.I. Fund -- Class III Shares; Fidelity Variable Insurance Products Fund -- VIP Balanced Portfolio -- Service Class 2; Janus Aspen Series -- Janus Henderson Balanced Portfolio -- Service Shares; MFS(R) Variable Insurance Trust -- MFS(R) Total Return Series -- Service Class Shares; and/or State Street Variable Insurance Series Funds, Inc. -- Total Return V.I.S. Fund -- Class 3 Shares; OR (2) owners may allocate assets to Asset Allocation Model A, B, C or D; OR (3) owners may allocate assets to the Build Your Own Asset Allocation Model. Contract owners may elect to participate in the Defined Dollar Cost Averaging program when they apply for the contract. Defined Dollar Cost Averaging permits the owner to systematically transfer a fixed dollar amount on a monthly basis for twelve months from the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund to one of the available Investment Strategy options. The Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund is only available as part of the Defined Dollar Cost Averaging program. Withdrawal Limit. The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit is the benefit base multiplied by the Withdrawal Factor. On each Valuation Day, the benefit base is the greatest of the Contract Value on the prior contract anniversary, the Withdrawal Base, and the Roll-Up Value. The Withdrawal Factor is established based on the age of the younger Annuitant on the earlier of the Valuation Day of the first Gross Withdrawal and the Valuation Day when the Contract Value is reduced to $100. The Withdrawal Factor percentages will be provided in your contract. Withdrawal Base. Your initial Withdrawal Base is equal to your initial purchase payment received and is adjusted when any subsequent purchase payment is received, as described in 80 the "Purchase Payments" provision. It may also change as a result of a withdrawal or reset, as described below. Roll-Up Value. Your initial Roll-Up Value is equal to your initial purchase payment received. We will increase your Roll-Up Value on each day. The new Roll-Up Value is equal to the sum of (a) and (b), multiplied by (c), where: (a) is the Roll-Up Value on the prior day; (b) is any purchase payment(s) made on the prior Valuation Day; and (c) is the daily roll-up factor, as shown in your contract. On each contract anniversary, if the Withdrawal Base is greater than the current Roll-Up Value, the Roll-Up Value will be increased to the Withdrawal Base. The Roll-Up Value will continue to increase until the date of the first withdrawal or the later of the tenth anniversary of the Contract Date and the date the older Annuitant turns age 65. The Roll-Up Value will not increase after this date. On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal Limit, your Roll-Up Value will be reduced to zero. The Roll-Up Value will not increase after this date. When requesting an excess withdrawal, you will be asked if you understand the implications of the excess withdrawal and if you would like to proceed with the request. Purchase Payments. Any purchase payment applied to your contract will be added to your Withdrawal Base and your Principal Protection Death Benefit (if applicable), and may be added to your Roll-Up Value as described in the "Roll-Up Value" provision above. You must allocate all assets to the prescribed Investment Strategy. Important Note. We reserve the right to not adjust the Withdrawal Base, Principal Protection Death Benefit (if applicable), and/or Roll-Up Value for any subsequent purchase payments received. As a result, it is possible that you would not be able to make subsequent purchase payments after the initial purchase payment to take advantage of the benefits provided by Lifetime Income Plus 2008 that would be associated with such additional purchase payments. Before making purchase payments that do not increase the Withdrawal Base, Principal Protection Death Benefit (if applicable) or Roll-Up Value, you should consider that: (i) the guaranteed amounts provided by the Withdrawal Base, Principal Protection Death Benefit (if applicable) and Roll-Up Value will not include such purchase payments; and (ii) this rider may not make sense for you if you intend to make purchase payments that will not increase the Withdrawal Base, Principal Protection Death Benefit (if applicable) and Roll-Up Value. Reset of the Benefit. You may reset your Withdrawal Base on an annual anniversary of the Contract Date when your Contract Value is higher than the Withdrawal Base. If such contract anniversary is not a Valuation Day, the reset will occur on the next Valuation Day. On the Valuation Day you reset your benefit, we will reset the Investment Strategy to the current Investment Strategy and reset the charges for this rider. Effective on and after December 3, 2012, the charge for Lifetime Income Plus 2008 increased, on an annual basis, to 1.25% upon reset of the Withdrawal Base. The rider charge increase applies to both single and joint annuitant contracts regardless of the date the contract was issued. If you are potentially impacted, you will receive written notice in advance of your contract anniversary informing you of your options as well as a discussion of certain circumstances in which a reset would not be in your best interest. If your rider is scheduled to automatically reset, you will have the opportunity to opt-out of the automatic reset and resulting rider charge increase. If you have to request a manual reset, you will have the opportunity to reset and, if you reset, incur the higher rider charge. We reserve the right to discontinue sending written notice of the potential impact of a reset after we send you the first notice. As noted, if there is an automatic reset, your Withdrawal Base will be increased to your Contract Value. However, the Withdrawal Base is just one element used to determine your Benefit Base which is in turn used to calculate your Withdrawal Limit. The Benefit Base is the greatest of the Withdrawal Base, Contract Value on the prior contract anniversary and the Roll-Up Value. If your Withdrawal Base resets but your Roll-Up Value is higher than your Withdrawal Base on the date of reset, the Roll-Up Value will be used to determine your Benefit Base, but you will be assessed a rider charge of 1.25% because of the reset of the Withdrawal Base. In this circumstance, if your rider fee was less than 1.25% before the reset, you will pay a higher rider fee for a benefit that you would have received even without the reset. For Lifetime Income Plus 2008 without the Principal Protection Death Benefit, the new charges, which may be higher than your previous charges, will never exceed 2.00% of the benefit base. For Lifetime Income Plus 2008 with the Principal Protection Death Benefit, the new charges, which may be higher than your previous charges, will never exceed 2.00% of the benefit base plus 0.50% of the value of the Principal Protection Death Benefit. The reset date must be at least 12 months after the later of the Contract Date and the last reset date. Resets will occur automatically unless such automatic resets are or have been terminated. Any change to the charges or to the required Investment Strategy for this rider will be communicated to you in writing prior to the contract anniversary date. Upon reset, these changes 81 will apply. The reset provision is not available on or after the latest permitted Annuity Commencement Date. Automatic resets will continue until and unless: (a) the owner (or owners) submits a written request to our Home Office to terminate automatic resets (such a request must be received at least 15 days prior to the contract anniversary date); (b) the Investment Strategy changes, allocations are affected, and we do not receive confirmation of new allocations from you at our Home Office; (c) income payments begin via annuitization; or (d) ownership of the contract changes. If automatic resets have terminated, you may later reinstate automatic resets for any future contract anniversary by submitting a written request to do so; provided you are following the Investment Strategy and income payments have not begun. Please note that an automatic reset will occur on a contract anniversary if Contract Value is even nominally higher than the Withdrawal Base (e.g., as little as $1.00 or even $0.01 higher) and, therefore, an automatic reset may not be in your best interest because: (i) the charges for this rider may be higher than your previous charges and (ii) the Investment Strategy will be reset to the current Investment Strategy (the Investment Strategy offered on the reset date). Please carefully consider the impact of automatic resets when you elect Lifetime Income Plus 2008 and while the rider is in effect. Impact of Withdrawals. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal Limit, your Withdrawal Base, Principal Protection Death Benefit (if applicable) and Roll-Up Value are reduced. The new Withdrawal Base equals the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Withdrawal Base minus the Gross Withdrawal. The new Principal Protection Death Benefit (if applicable) equals the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Principal Protection Death Benefit minus the Gross Withdrawal. The new Roll-Up Value will be zero. Additional purchase payments will not increase the Roll-Up Value. If the total Gross Withdrawals in a Benefit Year are less than or equal to the Withdrawal Limit, we will waive any surrender charge on the Gross Withdrawal. The Withdrawal Limit will be increased for any Benefit Year to the extent necessary to meet any minimum distribution requirements based on life expectancy under federal tax law. This increase applies only to the required minimum distribution based on the Contract Value for the calendar year ending within the Benefit Year. You should carefully manage withdrawals because excess withdrawals will have adverse consequences on the benefits provided under Lifetime Income Plus 2008, particularly in down markets. Over the period of time during which you take withdrawals, there is the risk that you may need funds in excess of the Withdrawal Limit and, if you do not have other sources of income available, you may need to take (excess) withdrawals that will reduce your Withdrawal Base (and, consequently, your Withdrawal Limit), the Principal Protection Death Benefit (if applicable), and your Roll-Up Value. You also should carefully consider when to begin taking withdrawals if you elected Lifetime Income Plus 2008. The longer you wait before beginning to take withdrawals, the higher the Withdrawal Factor will be, which is one of the components used to determine the amount of your Withdrawal Limit. If you delay taking withdrawals too long, however, you may limit the number of years available for you to take withdrawals in the future (due to life expectancy) and you may be paying for a benefit you are not using. Your Contract Value after taking a withdrawal may be less than the amount required to keep your contract in effect. In this event, or if your Contract Value is reduced to $100, the following will occur: . If the Withdrawal Limit is less than $100, we will pay you the greatest of the following: (a) the Contract Value; (b) a lump sum equal to the present value of future lifetime payments in the amount of the Withdrawal Limit calculated using the 2000 Annuity Mortality Table and an interest rate of 3%; and (c) the Principal Protection Death Benefit (if applicable). . If the Withdrawal Limit is greater than or equal to $100, we will begin income payments. We will make 82 payments of a fixed amount for the life of the Annuitant or, if there are Joint Annuitants, the last surviving Annuitant. The fixed amount payable annually will equal the most recently calculated Withdrawal Limit. We will make payments monthly or on another periodic basis agreed by us. If the monthly amount is less than $100, we will reduce the frequency so that the payment will be at least $100. The Principal Protection Death Benefit (if applicable) will continue under this provision. The Principal Protection Death Benefit will be reduced by each payment. The Principal Protection Death Benefit, if any, will be payable on the death of the last surviving Annuitant. Principal Protection Death Benefit. You may purchase Lifetime Income Plus 2008 with the Principal Protection Death Benefit. The Principal Protection Death Benefit is a feature available only with Lifetime Income Plus 2008. It cannot be elected separately from Lifetime Income Plus 2008. The Principal Protection Death Benefit is used to determine the death benefit, if any, payable under the contract and rider as described in the "Death Provisions" section below. The Principal Protection Death Benefit on the Contract Date is equal to the initial purchase payment. Purchase payments in a Benefit Year increase the Principal Protection Death Benefit. Gross Withdrawals in a Benefit Year decrease the Principal Protection Death Benefit. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is less than or equal to the Withdrawal Limit, the Principal Protection Death Benefit will be reduced by the Gross Withdrawal. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal Limit, your Principal Protection Death Benefit will equal the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Principal Protection Death Benefit minus the Gross Withdrawal. Death Provisions. At the death of the last surviving Annuitant, a death benefit may be payable under this contract and rider. The amount of any death benefit payable will be the greatest of (a), (b) and (c), where: (a) is the death benefit as calculated under the base contract; (b) is the Principal Protection Death Benefit (if applicable); and (c) is any amount payable by any other optional death benefit rider (if applicable). The death benefit payable will be paid according to the distribution rules under the contract. If the designated beneficiary is a surviving spouse who is not an Annuitant, whose age is 45 through 85, and who elects to continue the contract as the new owner, this rider will continue. The Withdrawal Base and Roll-Up Value for the new owner will be the death benefit determined as of the first Valuation Day we receive at our Home Office due proof of death and all required forms. The Withdrawal Factor for the new owner will be based on the age of that owner on the date of the first Gross Withdrawal for that owner. If the designated beneficiary is a surviving spouse who is an Annuitant and who elects to continue the contract as the owner, this rider will continue. The Withdrawal Base and Roll-Up Value will be the same as it was under the contract for the deceased owner. If no withdrawals were taken prior to the first Valuation Day we receive due proof of death and all required forms at our Home Office, the Withdrawal Factor for the surviving spouse will be established based on the attained age of the surviving spouse on the date of the first Gross Withdrawal for the surviving spouse. Otherwise, the Withdrawal Factor will continue as it was under the contract for the deceased owner. If the surviving spouse cannot continue the rider, the rider and the rider charges will terminate. The charges for this rider will be calculated, pro rata, and deducted. Proceeds that were transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund upon the death of the owner will be reallocated to the Investment Strategy and the asset percentages then in effect at the time of the death of the owner. Such reallocations will not be counted as a transfer for the purpose of the number of transfers allowed under the contract in a calendar year. Considerations. While the rider is designed to provide life-time withdrawal benefits, these benefits are only guaranteed to the extent you comply with the limits, conditions and restrictions set forth in the contract. Rider Charge. We assess a charge for the guaranteed minimum withdrawal benefit provided by the rider. The charge for the guaranteed minimum withdrawal benefit is calculated quarterly as a percentage of the benefit base, as defined and determined under the rider, and deducted quarterly from the Contract Value. Please note that, if your benefit base increases, the amount deducted from your Contract Value will increase. If you purchase Lifetime Income Plus 2008 with the Principal Protection Death Benefit, a charge will be assessed for the Principal Protection Death Benefit that is in addition to the charge for the guaranteed minimum withdrawal benefit under 83 the rider. The charge for the Principal Protection Death Benefit is calculated quarterly as a percentage of the value of the Principal Protection Death Benefit, as defined and determined under the rider, and deducted quarterly from the Contract Value. Please note that, if the value of the Principal Protection Death Benefit increases through additional purchase payments, the amount deducted from your Contract Value will increase. The charge for the Principal Protection Death Benefit is higher if any annuitant is age 71 or older at the time of application. For contracts that have not reset their Withdrawal Base on or after December 3, 2012, we also apply different charges for the rider for a single Annuitant contract and a Joint Annuitant contract. Once a contract is a Joint Annuitant contract and the Joint Annuitant rider charge is applied, the Joint Annuitant rider charge will continue while the rider is in effect. If a spouse is added as Joint Annuitant after the contract is issued, new charges may apply. These new charges may be higher than the charges previously applicable to your contract. If you reset your benefits under the rider, we will reset the charges for the rider, which may be higher than your previous charges. We currently assess the following charges for the rider, calculated and deducted as described above, for those contracts that have reset their Withdrawal Base on or after December 3, 2012: Lifetime Income Plus 2008 without the Principal Protection Death Benefit Single or Joint Annuitant Contract 1.25% of benefit base -------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.15% of value of Principal Protection Death Benefit -------------------------------------------------------------------------- Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single or Joint Annuitant Contract 1.25% of benefit base plus 0.40% of value of Principal Protection Death Benefit -------------------------------------------------------------------------- We currently assess the following charges for the rider, calculated and deducted as described above, for those contracts that have not reset their Withdrawal Base on or after December 3, 2012: Lifetime Income Plus 2008 without the Principal Protection Death Benefit Single Annuitant Contract 0.75% of benefit base ------------------------------------------------------------------------ Joint Annuitant Contract 0.85% of benefit base ------------------------------------------------------------------------ Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 45-70 Single Annuitant Contract 0.75% of benefit base plus 0.15% of value of Principal Protection Death Benefit ------------------------------------------------------------------------ Joint Annuitant Contract 0.85% of benefit base plus 0.15% of value of Principal Protection Death Benefit ------------------------------------------------------------------------ Lifetime Income Plus 2008 with the Principal Protection Death Benefit -- Annuitant Age 71-85 Single Annuitant Contract 0.75% of benefit base plus 0.40% of value of Principal Protection Death Benefit ------------------------------------------------------------------------ --------------------------------------------------------------- Joint Annuitant Contract 0.85% of benefit base plus 0.40% of value of Principal Protection Death Benefit ------------------------------------------------------------------------ The charges for Lifetime Income Plus 2008 without the Principal Protection Death Benefit will never exceed 2.00% of benefit base. The charges for Lifetime Income Plus 2008 with the Principal Protection Death Benefit will never exceed 2.00% of benefit base plus 0.50% of the value of the Principal Protection Death Benefit. On the day the rider and/or the contract terminates, the charges for this rider will be calculated, pro rata, and deducted. Please note that you will begin paying the rider charge (including the applicable charge associated with the Principal Protection Death Benefit if you have elected that option) as of the date the rider takes effect, even if you do not begin taking withdrawals under the rider for many years, or ever. We will not refund the charges you have paid under the rider if you never choose to take withdrawals and/or if you never receive any payments under the rider; nor will we refund charges if the Principal Protection Death Benefit feature under a contract does not pay out. When the Rider is Effective If available, Lifetime Income Plus 2008 and the Principal Protection Death Benefit must be elected at application. The rider will remain in effect while the contract is in force and before the Annuity Commencement Date. Effective May 1, 2014, you may request to terminate this rider (without terminating the contract) on any business day. The rider will terminate on the first day of the next quarter as measured from the contract anniversary (i.e., not a calendar quarter). Rider charges will continue from the date of the request to terminate until the date of termination. On the day the rider and/or the contract terminates, the charges for this rider will be calculated, pro rata, and deducted. We are waiving the provision in the 84 rider that limits the ability to terminate the rider to any contract anniversary on or after the fifth contract anniversary. Otherwise this rider and the corresponding charges will terminate on the Annuity Commencement Date. Please note that, upon termination of this rider, you will lose all of the benefits for which you are eligible under the rider, including any guaranteed minimum withdrawal benefits provided by the rider. At any time before the Annuity Commencement Date, you can elect to annuitize under current annuity rates in lieu of continuing Lifetime Income Plus 2008. This may provide a higher income amount and/or more favorable tax treatment than payments made under this rider. Change of Ownership We must approve any assignment or sale of this contract unless the assignment is a court ordered assignment. General Provisions For purposes of this rider: . A non-natural entity owner must name an Annuitant and may name the Annuitant's spouse as a Joint Annuitant. . An individual owner must also be an Annuitant and may name his or her spouse as a Joint Annuitant at issue. . A joint owner must be the owner's spouse. . If you marry after issue, you may add your spouse as a joint owner and Joint Annuitant or as a Joint Annuitant only, subject to our approval. . Under federal tax law, all contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Civil union partners are not permitted to continue the contract without taking required distributions upon the death of an owner. Therefore, even if named a joint owner/Joint Annuitant, a civil union partner will have to take required distributions upon the death of the other joint owner/Joint Annuitant. See the "Distribution Rules" provision of this prospectus. If this situation applies to you, you should consult a tax adviser. 85 Examples The following examples show how Lifetime Income Plus 2008 works based on hypothetical values. The examples are for illustrative purposes only and are not intended to depict investment performance of the contract and, therefore, should not be relied upon in making a decision to invest in the rider or contract. The examples assume current rider charges for all periods shown. If an owner resets the benefits under the rider, we reset the charges for the rider, which may be higher than the previous charges. Higher rider charges would produce lower values in the examples. This example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000 and elects Lifetime Income Plus 2008 without the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 52 at issue, waits 13 years to take a withdrawal, and has a Withdrawal Factor of 5.5%; (4) the Roll-Up Value increases until age 65; (5) the contract earns a net return of -2%, before rider charges are deducted; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the benefit base) for the rest of the owner's life; (7) The Withdrawal Base is reset annually on the contract anniversary; and (8) the owner dies upon reaching age 90.

Contract Value - Withdrawals End of Year - Withdrawal Roll-Up Death Age - Contract Value - Taken - After Rider Base - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------- 53 $100,000 -- $96,675 $100,000 $106,000 $106,000 $100,000 54 96,675 -- 93,337 100,000 112,360 112,360 100,000 55 93,337 -- 89,981 100,000 119,102 119,102 100,000 56 89,981 -- 86,604 100,000 126,248 126,248 100,000 57 86,604 -- 83,199 100,000 133,823 133,823 100,000 58 83,199 -- 79,762 100,000 141,852 141,852 100,000 59 79,762 -- 76,287 100,000 150,363 150,363 100,000 60 76,287 -- 72,769 100,000 159,385 159,385 100,000 61 72,769 -- 69,202 100,000 168,948 168,948 100,000 62 69,202 -- 65,579 100,000 179,085 179,085 100,000 63 65,579 -- 61,895 100,000 189,830 189,830 100,000 64 61,895 -- 58,142 100,000 201,220 201,220 100,000 65 58,142 $11,731 42,581 100,000 213,293 213,293 78,401 66 42,581 11,731 27,303 100,000 213,293 213,293 54,838 67 27,303 11,731 12,329 100,000 213,293 213,293 28,101 68 12,329 11,731 -- 100,000 213,293 213,293 -- 69 -- 11,731 -- 100,000 213,293 213,293 -- 70 -- 11,731 -- 100,000 213,293 213,293 -- 71 -- 11,731 -- 100,000 213,293 213,293 -- 72 -- 11,731 -- 100,000 213,293 213,293 -- 73 -- 11,731 -- 100,000 213,293 213,293 -- 74 -- 11,731 -- 100,000 213,293 213,293 -- 75 -- 11,731 -- 100,000 213,293 213,293 -- 76 -- 11,731 -- 100,000 213,293 213,293 -- 77 -- 11,731 -- 100,000 213,293 213,293 -- 78 -- 11,731 -- 100,000 213,293 213,293 -- 79 -- 11,731 -- 100,000 213,293 213,293 -- 80 -- 11,731 -- 100,000 213,293 213,293 -- 81 -- 11,731 -- 100,000 213,293 213,293 -- 82 -- 11,731 -- 100,000 213,293 213,293 -- 83 -- 11,731 -- 100,000 213,293 213,293 -- 84 -- 11,731 -- 100,000 213,293 213,293 -- 85 -- 11,731 -- 100,000 213,293 213,293 -- 86 -- 11,731 -- 100,000 213,293 213,293 -- 87 -- 11,731 -- 100,000 213,293 213,293 -- 88 -- 11,731 -- 100,000 213,293 213,293 -- 89 -- 11,731 -- 100,000 213,293 213,293 -- 90 -- 11,731 -- 100,000 213,293 213,293 -- -------------------------------------------------------------------------------------------------------------

86 This example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000 and elects Lifetime Income Plus 2008 with the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 52 at issue, waits 13 years to take a withdrawal, and has a Withdrawal Factor of 5.5%; (4) the Roll-Up Value increases until age 65; (5) the contract earns a net return of -2%, before rider charges are deducted; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the benefit base) for the rest of the owner's life; (7) The Withdrawal Base is reset annually on the contract anniversary; and (8) the owner dies upon reaching age 90.

Contract Value - Withdrawals End of Year - Withdrawal Roll-Up Death Age - Contract Value - Taken - After Rider Base - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------- 53 $100,000 -- $96,525 $100,000 $106,000 $106,000 $100,000 54 96,525 -- 93,040 100,000 112,360 112,360 100,000 55 93,040 -- 89,540 100,000 119,102 119,102 100,000 56 89,540 -- 86,022 100,000 126,248 126,248 100,000 57 86,022 -- 82,478 100,000 133,823 133,823 100,000 58 82,478 -- 78,906 100,000 141,852 141,852 100,000 59 78,906 -- 75,298 100,000 150,363 150,363 100,000 60 75,298 -- 71,650 100,000 159,385 159,385 100,000 61 71,650 -- 67,955 100,000 168,948 168,948 100,000 62 67,955 -- 64,207 100,000 179,085 179,085 100,000 63 64,207 -- 60,400 100,000 189,830 189,830 100,000 64 60,400 -- 56,527 100,000 201,220 201,220 100,000 65 56,527 $11,731 40,867 100,000 213,293 213,293 88,269 66 40,867 11,731 25,507 100,000 213,293 213,293 76,538 67 25,507 11,731 10,473 100,000 213,293 213,293 64,807 68 10,473 11,731 -- 100,000 213,293 213,293 53,076 69 -- 11,731 -- 100,000 213,293 213,293 41,344 70 -- 11,731 -- 100,000 213,293 213,293 29,613 71 -- 11,731 -- 100,000 213,293 213,293 17,882 72 -- 11,731 -- 100,000 213,293 213,293 6,151 73 -- 11,731 -- 100,000 213,293 213,293 -- 74 -- 11,731 -- 100,000 213,293 213,293 -- 75 -- 11,731 -- 100,000 213,293 213,293 -- 76 -- 11,731 -- 100,000 213,293 213,293 -- 77 -- 11,731 -- 100,000 213,293 213,293 -- 78 -- 11,731 -- 100,000 213,293 213,293 -- 79 -- 11,731 -- 100,000 213,293 213,293 -- 80 -- 11,731 -- 100,000 213,293 213,293 -- 81 -- 11,731 -- 100,000 213,293 213,293 -- 82 -- 11,731 -- 100,000 213,293 213,293 -- 83 -- 11,731 -- 100,000 213,293 213,293 -- 84 -- 11,731 -- 100,000 213,293 213,293 -- 85 -- 11,731 -- 100,000 213,293 213,293 -- 86 -- 11,731 -- 100,000 213,293 213,293 -- 87 -- 11,731 -- 100,000 213,293 213,293 -- 88 -- 11,731 -- 100,000 213,293 213,293 -- 89 -- 11,731 -- 100,000 213,293 213,293 -- 90 -- 11,731 -- 100,000 213,293 213,293 -- -------------------------------------------------------------------------------------------------------------

87 This next example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000 and elects Lifetime Income Plus 2008 without the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 72 at issue, waits 10 years to take a withdrawal, and has a Withdrawal Factor of 7%; (4) the Roll-Up Value increases for 10 years; (5) the contract earns a net return of -2%, before rider charges are deducted; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the benefit base) for the rest of the owner's life; (7) The Withdrawal Base is reset annually on the contract anniversary; and (8) the owner dies upon reaching age 90.

Contract Value - Withdrawals End of Year - Withdrawal Roll-Up Death Age - Contract Value - Taken - After Rider Base - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------- 73 $100,000 -- $96,675 $100,000 $106,000 $106,000 $100,000 74 96,675 -- 93,337 100,000 112,360 112,360 100,000 75 93,337 -- 89,981 100,000 119,102 119,102 100,000 76 89,981 -- 86,604 100,000 126,248 126,248 100,000 77 86,604 -- 83,199 100,000 133,823 133,823 100,000 78 83,199 -- 79,762 100,000 141,852 141,852 100,000 79 79,762 -- 76,287 100,000 150,363 150,363 100,000 80 76,287 -- 72,769 100,000 159,385 159,385 100,000 81 72,769 -- 69,202 100,000 168,948 168,948 100,000 82 69,202 $12,536 53,043 100,000 179,085 179,085 80,884 83 53,043 12,536 37,178 100,000 179,085 179,085 60,488 84 37,178 12,536 21,630 100,000 179,085 179,085 38,294 85 21,630 12,536 6,393 100,000 179,085 179,085 12,933 86 6,393 12,536 -- 100,000 179,085 179,085 -- 87 -- 12,536 -- 100,000 179,085 179,085 -- 88 -- 12,536 -- 100,000 179,085 179,085 -- 89 -- 12,536 -- 100,000 179,085 179,085 -- 90 -- 12,536 -- 100,000 179,085 179,085 -- -------------------------------------------------------------------------------------------------------------

88 This next example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000 and elects Lifetime Income Plus 2008 with the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 72 at issue, waits 10 years to take a withdrawal, and has a Withdrawal Factor of 7%; (4) the Roll-Up Value increases for 10 years; (5) the contract earns a net return of -2%, before rider charges are deducted; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the benefit base) for the rest of the owner's life; (7) The Withdrawal Base is reset annually on the contract anniversary; and (8) the owner dies upon reaching age 90.

Contract Value - Withdrawals End of Year - Withdrawal Roll-Up Death Age - Contract Value - Taken - After Rider Base - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------- 73 $100,000 -- $96,275 $100,000 $106,000 $106,000 $100,000 74 96,275 -- 92,545 100,000 112,360 112,360 100,000 75 92,545 -- 88,805 100,000 119,102 119,102 100,000 76 88,805 -- 85,051 100,000 126,248 126,248 100,000 77 85,051 -- 81,277 100,000 133,823 133,823 100,000 78 81,277 -- 77,479 100,000 141,852 141,852 100,000 79 77,479 -- 73,650 100,000 150,363 150,363 100,000 80 73,650 -- 69,784 100,000 159,385 159,385 100,000 81 69,784 -- 65,877 100,000 168,948 168,948 100,000 82 65,877 $12,536 49,435 100,000 179,085 179,085 87,464 83 49,435 12,536 33,342 100,000 179,085 179,085 74,928 84 33,342 12,536 17,621 100,000 179,085 179,085 62,392 85 17,621 12,536 2,265 100,000 179,085 179,085 49,856 86 2,265 12,536 -- 100,000 179,085 179,085 37,320 87 -- 12,536 -- 100,000 179,085 179,085 24,784 88 -- 12,536 -- 100,000 179,085 179,085 12,248 89 -- 12,536 -- 100,000 179,085 179,085 -- 90 -- 12,536 -- 100,000 179,085 179,085 -- -------------------------------------------------------------------------------------------------------------

89 This next example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000 and elects Lifetime Income Plus 2008 without the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 65 at issue and has a Withdrawal Factor of 5.5%; (4) the Roll-Up Value increases for 1 year; (5) the contract earns a net return of 8%, before rider charges are deducted; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the benefit base) for the rest of the owner's life; (7) the Withdrawal Base is reset annually on the contract anniversary; and (8) the owner dies upon reaching age 90.

Contract Value - Withdrawals End of Year - Withdrawal Roll-Up Death Age - Contract Value - Taken - After Rider Base - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------- 66 $100,000 $5,830 $100,845 $100,000 $106,000 $106,000 $100,845 67 100,845 5,830 101,758 100,845 106,000 106,000 101,758 68 101,758 5,830 102,743 101,758 106,000 106,000 102,743 69 102,743 5,830 103,808 102,743 106,000 106,000 103,808 70 103,808 5,830 104,957 103,808 106,000 106,000 104,957 71 104,957 5,830 106,199 104,957 106,000 106,000 106,199 72 106,199 5,841 107,526 106,199 106,000 106,199 107,526 73 107,526 5,914 108,870 107,526 106,000 107,526 108,870 74 108,870 5,988 110,231 108,870 106,000 108,870 110,231 75 110,231 6,063 111,609 110,231 106,000 110,231 111,609 76 111,609 6,139 113,004 111,609 106,000 111,609 113,004 77 113,004 6,215 114,417 113,004 106,000 113,004 114,417 78 114,417 6,293 115,847 114,417 106,000 114,417 115,847 79 115,847 6,372 117,295 115,847 106,000 115,847 117,295 80 117,295 6,451 118,761 117,295 106,000 117,295 118,761 81 118,761 6,532 120,246 118,761 106,000 118,761 120,246 82 120,246 6,614 121,749 120,246 106,000 120,246 121,749 83 121,749 6,696 123,271 121,749 106,000 121,749 123,271 84 123,271 6,780 124,812 123,271 106,000 123,271 124,812 85 124,812 6,865 126,372 124,812 106,000 124,812 126,372 86 126,372 6,950 127,951 126,372 106,000 126,372 127,951 87 127,951 7,037 129,551 127,951 106,000 127,951 129,551 88 129,551 7,125 131,170 129,551 106,000 129,551 131,170 89 131,170 7,214 132,810 131,170 106,000 131,170 132,810 90 132,810 7,305 134,470 132,810 106,000 132,810 134,470 -------------------------------------------------------------------------------------------------------------

90 This next example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000 and elects Lifetime Income Plus 2008 with the Principal Protection Death Benefit; (2) the owner makes no additional purchase payments; (3) the owner is age 65 at issue and has a Withdrawal Factor of 5.5%; (4) the Roll-Up Value increases for 1 year; (5) the contract earns a net return of 8%, before rider charges are deducted; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the benefit base) for the rest of the owner's life; (7) the Withdrawal Base is reset annually on the contract anniversary; and (8) the owner dies upon reaching age 90.

Contract Value - Withdrawals End of Year - Withdrawal Roll-Up Death Age - Contract Value - Taken - After Rider Base - Value - Benefit Base - Benefit - End of Year Beginning of Year End of Year Charges End of Year End of Year End of Year End of Year ------------------------------------------------------------------------------------------------------------- 66 $100,000 $5,830 $100,693 $100,000 $106,000 $106,000 $100,693 67 100,693 5,830 101,439 100,693 106,000 106,000 101,439 68 101,439 5,830 102,243 101,439 106,000 106,000 102,243 69 102,243 5,830 103,108 102,243 106,000 106,000 103,108 70 103,108 5,830 104,039 103,108 106,000 106,000 104,039 71 104,039 5,830 105,042 104,039 106,000 106,000 105,042 72 105,042 5,830 106,123 105,042 106,000 106,000 106,123 73 106,123 5,837 107,279 106,123 106,000 106,123 107,279 74 107,279 5,900 108,446 107,279 106,000 107,279 108,446 75 108,446 5,965 109,625 108,446 106,000 108,446 109,625 76 109,625 6,029 110,815 109,625 106,000 109,625 110,815 77 110,815 6,095 112,017 110,815 106,000 110,815 112,017 78 112,017 6,161 113,231 112,017 106,000 112,017 113,231 79 113,231 6,228 114,457 113,231 106,000 113,231 114,457 80 114,457 6,295 115,695 114,457 106,000 114,457 115,695 81 115,695 6,363 116,945 115,695 106,000 115,695 116,945 82 116,945 6,432 118,208 116,945 106,000 116,945 118,208 83 118,208 6,501 119,482 118,208 106,000 118,208 119,482 84 119,482 6,572 120,769 119,482 106,000 119,482 120,769 85 120,769 6,642 122,068 120,769 106,000 120,769 122,068 86 122,068 6,714 123,380 122,068 106,000 122,068 123,380 87 123,380 6,786 124,705 123,380 106,000 123,380 124,705 88 124,705 6,859 126,042 124,705 106,000 124,705 126,042 89 126,042 6,932 127,392 126,042 106,000 126,042 127,392 90 127,392 7,007 128,755 127,392 106,000 127,392 128,755 -------------------------------------------------------------------------------------------------------------

91 Lifetime Income Plus 2007 Lifetime Income Plus 2007 provides guaranteed withdrawals for the life of the Annuitant(s), with upside potential, provided you meet certain conditions. If you: . allocate all Contract Value to the prescribed Investment Strategy; and . limit total Gross Withdrawals in each Benefit Year to an amount no greater than the Withdrawal Limit; then you will be eligible to receive total Gross Withdrawals in each Benefit Year equal to the Withdrawal Limit until the last death of an Annuitant. For important information about the Investment Strategy, please see the "Investment Strategy for the Guaranteed Minimum Withdrawal Benefit Rider Options" provision below. The guaranteed minimum withdrawal benefit provided under the rider may be reduced or lost based on the withdrawals you take from the contract. For example, your guaranteed minimum withdrawal benefit will be reduced if you take excess withdrawals in a Benefit Year. See the "Withdrawals" provision below. Your benefit will also be reduced if you choose not to follow the Investment Strategy. See the "Impact of Violating the Investment Strategy on the Withdrawal Factor and Rider Death Benefit" provision below. You will also lose the guaranteed minimum withdrawal benefit if you annuitize or surrender the contract. In addition, you will no longer receive lifetime payments of your guaranteed minimum withdrawal benefit if (i)(a) after a withdrawal, your Contract Value is less than the amount required to keep your contract in effect or (b) your Contract Value is reduced to $100 and (ii) your Withdrawal Limit is less than $100. Instead, you could receive, at least, a lump sum equal to the present value of future lifetime payments in the amount of the Withdrawal Limit. The Rider Death Benefit provided under the rider, if elected, will be reduced and may be lost based on withdrawals you take from the contract. Your benefit will also be reduced if you choose not to follow the Investment Strategy. See the "Impact of Violating the Investment Strategy on the Withdrawal Factor and Rider Death Benefit" provision below. You will also lose the Rider Death Benefit if you annuitize or surrender the contract. Lifetime Income Plus 2007 is not available for contracts issued on or after September 8, 2008. Withdrawal Limit. The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit is (a) multiplied by (b) where: (a) is the greatest of: (1) the Contract Value on the prior contract anniversary; (2) the Withdrawal Base; and (3) the Roll-Up Value; and (b) is the Withdrawal Factor. The Withdrawal Base and the Roll-Up Value are amounts used to calculate and establish the Withdrawal Limit. The Withdrawal Factor is established based on the age of the younger Annuitant on the earlier of the Valuation Day of the first Gross Withdrawal and the Valuation Day when the Contract Value is reduced to $100. Withdrawal Base. Your initial Withdrawal Base is equal to your initial purchase payment received and is adjusted when any subsequent purchase payment is received, as described in the "Purchase Payments" provision. Roll-Up Value. Your initial Roll-Up Value is equal to your initial purchase payment received. On each Valuation Day your Roll-Up Value will be adjusted. The new Roll-Up Value will equal (a) plus (b) plus (c), where: (a) is the Roll-Up Value on the prior Valuation Day; (b) is any purchase payment made on the current Valuation Day; (c) is the daily roll-up rate, as shown in your contract, multiplied by the cumulative purchase payments. The Roll-Up Value will continue to increase until the earlier of (i) the "last roll-up date" or (ii) the date of the first withdrawal. The "last roll-up date" is the later of the fifth contract anniversary or the first contract anniversary on or after the day the older Annuitant turns 70 years old. On the last roll-up date or the date of the first withdrawal, whichever comes first, the Roll-Up Value will equal the Roll-Up Value on the prior Valuation Day. After this date, additional purchase payments will not increase the Roll-Up Value. On any Valuation Day you make a Gross Withdrawal, if that Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal Limit, your Roll-Up Value will be reduced to zero. After this date, additional purchase payments will not increase the Roll-Up Value. Purchase Payments. Any purchase payment applied to your contract will adjust your Withdrawal Base and your Rider Death Benefit, and may adjust your Roll-Up Value as described in the "Roll-Up Value" provision above. In order to obtain the full benefit provided by this rider, you must allocate all assets to 92 the prescribed Investment Strategy from the Benefit Date. Except as noted below, if you have allocated all assets to the Investment Strategy from the Benefit Date, any subsequent purchase payment will be added to the Withdrawal Base and the Rider Death Benefit and may be added to the Roll-Up Value. If you have not allocated all assets to the Investment Strategy, the purchase payment will be added to the Withdrawal Base and, if applicable, the Roll-Up Value, but the Rider Death Benefit will be increased only by 50% of the purchase payment. Important Note. We reserve the right to not adjust the Withdrawal Base, Rider Death Benefit, and/or Roll-Up Value for any subsequent purchase payments received. As a result, it is possible that you would not be able to make subsequent purchase payments after the initial purchase payment to take advantage of the benefits provided by Lifetime Income Plus 2007 that would be associated with such additional purchase payments. Before making purchase payments that do not increase the Withdrawal Base, Rider Death Benefit or Roll-Up Value, you should consider that: (i) the guaranteed amounts provided by the Withdrawal Base, Rider Death Benefit and Roll-Up Value will not include such purchase payments; and (ii) this rider may not make sense for you if you intend to make purchase payments that will not increase the Withdrawal Base, Rider Death Benefit and Roll-Up Value. Impact of Violating the Investment Strategy on the Withdrawal Factor and Rider Death Benefit. Beginning on the first Valuation Day after you choose not to follow the Investment Strategy, your Withdrawal Factor and Rider Death Benefit will be reduced by 50%. You may elect to resume participation in the Investment Strategy, as described in the "Restoration or Reset of the Benefit" provision below, provided we receive notice of your election in a form acceptable to us. We will not reduce your Withdrawal Factor or Rider Death Benefit if you are not following the Investment Strategy due to a Portfolio liquidation or a Portfolio dissolution and the assets are transferred from the liquidated or dissolved Portfolio to another Portfolio. Restoration or Reset of the Benefit Restoration. If your Withdrawal Factor and Rider Death Benefit have been reduced because you have not allocated all assets to the prescribed Investment Strategy, you will have a one-time opportunity to restore your Withdrawal Factor and Rider Death Benefit on a contract anniversary. If such contract anniversary is not a Valuation Day, the restoration will occur on the next Valuation Day. The restore feature under this rider may be used only once and is not available on or after the latest permitted Annuity Commencement Date. On the Valuation Day we restore your benefit, we will: (a) restore the Withdrawal Factor to 100% of the Withdrawal Factor established as of the date of the first withdrawal; (b) calculate your Rider Death Benefit to equal the lesser of (i) the total purchase payments less Gross Withdrawals and (ii) current Contract Value; (c) calculate your Withdrawal Base to equal the lesser of (i) the Withdrawal Base as of the date of the restore, determined as if you have not allocated outside of the prescribed Investment Strategy and (ii) the current Contract Value; (d) allocate your assets to the Investment Strategy in effect as of the last Benefit Date prior to the reduction in benefits, in accordance to your instructions; and (e) assess a rider charge equal to the charge that was in effect as of your last Benefit Date prior to the reduction in benefits. If you want to restore your benefit, we must receive notice of your election at our Home Office in a form acceptable to us at least 15 days prior to your next contract anniversary. Reset. You may reset your Withdrawal Base on an annual anniversary of the Contract Date when your Contract Value is higher than the Withdrawal Base. If such contract anniversary is not a Valuation Day, the reset will occur on the next Valuation Day. The reset date must be at least 12 months after the later of the Contract Date and the last reset date. Resets will occur automatically unless such automatic resets are or have been terminated. On the Valuation Day we reset your benefit, we will: (a) reset the Withdrawal Factor to 100% of the Withdrawal Factor established as of the date of first withdrawal; (b) reset the Rider Death Benefit to the lesser of (i) the total purchase payments less Gross Withdrawals and (ii) current Contract Value; (c) reset the Withdrawal Base to your Contract Value; (d) reset the Investment Strategy to the current Investment Strategy; and (e) reset the charge for this rider (the new charge, which may be higher than your previous charge, will never exceed 2.00%). Effective on and after July 15, 2019, the charge for Lifetime Income Plus 2007 increased, on an annual basis, to 1.25% 93 upon reset of the Withdrawal Base. The rider charge increase applies to both single Annuitant and Joint Annuitant contracts regardless of the date the contract was issued. If you are potentially impacted, you will receive written notice in advance of your contract anniversary informing you of your options as well as a discussion of certain circumstances in which a reset would not be in your best interest. If your rider is scheduled to automatically reset, you will have the opportunity to opt-out of the automatic reset and resulting rider charge increase. If you have to request a manual reset, you will have the opportunity to reset and, if you reset, incur the higher rider charge. We reserve the right to discontinue sending written notice of the potential impact of a reset after we send you the first notice. As noted above, if there is an automatic reset, your Withdrawal Base will be increased to your Contract Value. The Withdrawal Base, however, is just one element used to calculate your Withdrawal Limit. If your Withdrawal Base resets but your Roll-Up Value is higher than your Withdrawal Base on the date of reset, the Roll-Up Value will be used to determine your Withdrawal Limit, but you will be assessed a rider charge of 1.25% because of the reset of the Withdrawal Base. In this circumstance, if your rider fee was less than 1.25% before the reset, you will pay a higher rider fee for a benefit that you would have received even without the reset. Any change to the charge or to the required Investment Strategy for this rider will be communicated to you in writing prior to the contract anniversary date. Upon reset, these changes will apply. The reset provision is not available on or after the latest permitted Annuity Commencement Date. Automatic resets will continue until and unless: (a) the owner (or owners) submits a written request to our Home Office to terminate automatic resets (such a request must be received at least 15 days prior to the contract anniversary date); (b) the Investment Strategy is violated; (c) the Investment Strategy changes, allocations are affected, and we do not receive confirmation of new allocations from you at our Home Office; (d) income payments begin via annuitization; or (e) ownership of the contract changes. If automatic resets have terminated, you may later reinstate automatic resets for any future contract anniversary by submitting a written request to our Home Office to do so; provided you are following the Investment Strategy and income payments have not begun. Please note that an automatic reset will occur on a contract anniversary if contract value is even nominally higher than the Withdrawal Base (e.g., as little as $1.00 or even $0.01 higher) and, therefore, an automatic reset may not be in your best interest because: (i) the charge for this rider may be higher than your previous charge and (ii) the Investment Strategy will be reset to the current Investment Strategy (the Investment Strategy offered on the reset date). Please carefully consider the impact of automatic resets when you elect Lifetime Income Plus 2007 and while the rider is in effect. Withdrawals. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal Limit, your Withdrawal Base, Rider Death Benefit and Roll-Up Value are reduced. The new Withdrawal Base equals the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Withdrawal Base minus the Gross Withdrawal. The new Rider Death Benefit equals the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Rider Death Benefit minus the Gross Withdrawal. The new Roll-Up Value will be zero. Additional purchase payments will not increase the Roll-Up Value. If the total Gross Withdrawals in a Benefit Year are less than or equal to the Withdrawal Limit, we will waive any surrender charge on such total Gross Withdrawals. If all Contract Value is allocated to the Investment Strategy, the Withdrawal Limit will be increased for any Benefit Year to the extent necessary to meet any minimum distribution requirements based on life expectancy under federal tax law. This increase applies only to the required minimum distribution based on the Contract Value. You should carefully consider when to begin taking withdrawals if you elected Lifetime Income Plus 2007. The longer you wait before beginning to take withdrawals, the higher the Withdrawal Factor will be, which is one of the components used to determine the amount of your Withdrawal Limit. If you delay taking withdrawals too long, however, you may limit the number of years available for you to take withdrawals in the future (due to life expectancy) and you may be paying for a benefit you are not using. 94 Your Contract Value after taking a withdrawal may be less than the amount required to keep your contract in effect. In this event, or if your Contract Value is reduced to $100, the following will occur: . If the Withdrawal Limit is less than $100, we will pay you the greatest of the Rider Death Benefit, the Contract Value and the present value of the Withdrawal Limit in a lump sum, calculated using the Annuity 2000 Mortality Table and an interest rate of 3%. . If the Withdrawal Limit is greater than or equal to $100, we will begin income payments. We will make payments of a fixed amount for the life of the Annuitant or, if there are Joint Annuitants, the last surviving Annuitant. The fixed amount payable annually will equal the most recently calculated Withdrawal Limit. We will make payments monthly or on another periodic basis agreed by us. If the monthly amount is less than $100, we will reduce the frequency so that the payment will be at least $100. The Rider Death Benefit will continue under this provision. The Rider Death Benefit will be reduced by each payment. The Rider Death Benefit, if any, will be payable on the death of the last surviving Annuitant. Death Provisions. At the death of the last surviving Annuitant, a death benefit may be payable under this contract and rider. The amount of any death benefit payable will be the greatest of (a), (b) and (c), where: (a) is the death benefit as calculated under the base Contract; (b) is the Rider Death Benefit; and (c) is any amount payable by any other optional death benefit rider. The death benefit payable will be paid according to the distribution rules under the contract. If the designated beneficiary is a surviving spouse who is not an Annuitant, whose age is 45 through 85, and who elects to continue the contract as the new owner, this rider will continue. The Withdrawal Base and Roll-Up Value for the new owner will be the death benefit determined as of the first Valuation Day we receive at our Home Office due proof of death and all required forms. The Withdrawal Factor for the new owner will be based on the age of that owner on the date of the first Gross Withdrawal for that owner. If the designated beneficiary is a surviving spouse who is an Annuitant and who elects to continue the contract as the owner, this rider will continue. The Withdrawal Base and Roll-Up Value will be the same as it was under the contract for the deceased owner. If no withdrawals were taken prior to the first Valuation Day we receive due proof of death and all required forms at our Home Office, the Withdrawal Factor for the surviving spouse will be established based on the attained age of the surviving spouse on the date of the first Gross Withdrawal for the surviving spouse. Otherwise, the Withdrawal Factor will continue as it was under the contract for the deceased Owner. If the surviving spouse cannot continue the rider, the rider and the rider charge will terminate on the next contract anniversary. Proceeds that were transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund upon the death of the owner will be reallocated to the Investment Strategy, if applicable, and the asset percentages then in effect at the time of the death of the owner. Such reallocations will not be counted as a transfer for the purpose of the number of transfers allowed under the contract in a calendar year. Rider Death Benefit. This rider provides for a death benefit (the "Rider Death Benefit") that, on the Contract Date, is equal to the initial purchase payment. The Rider Death Benefit is used to determine the death benefit, if any, payable upon the death of the last surviving Annuitant as described in the "Death Provisions" section above. Purchase payments applied to your contract in a Benefit Year increase the Rider Death Benefit. If you have allocated all assets to the Investment Strategy from the Benefit Date, any subsequent purchase payment will be added to the Rider Death Benefit. Otherwise, the Rider Death Benefit will be increased only by 50% of the purchase payment. Gross Withdrawals in a Benefit Year decrease the Rider Death Benefit. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is less than or equal to the Withdrawal Limit, the Rider Death Benefit will be reduced by the Gross Withdrawal. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal Limit, your Rider Death Benefit will equal the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Rider Death Benefit minus the Gross Withdrawal. If you choose not to follow the Investment Strategy, your Rider Death Benefit will be reduced as described in the "Impact of Violating the Investment Strategy on the Withdrawal Factor and Rider Death Benefit" provision above. 95 Considerations. While the rider is designed to provide life-time withdrawal benefits, these benefits are only guaranteed to the extent you comply with the limits, conditions and restrictions set forth in the contract. Rider Charge. We assess a charge for the guaranteed minimum withdrawal benefit provided by the rider. The charge for Lifetime Income Plus 2007 for those contracts that reset their Withdrawal Base on or after July 15, 2019 is equal to 1.25% of the daily net assets in the Separate Account for both single Annuitant and Joint Annuitant contracts. The charge for Lifetime Income Plus 2007 for those contracts that have not reset their Withdrawal Base on or after July 15, 2019 is equal to 0.75% of the daily net assets in the Separate Account for single Annuitant contracts and 0.85% of the daily net assets in the Separate Account for Joint Annuitant contracts. Once a contract is a Joint Annuitant contract, and the Joint Annuitant charge is applied, the Joint Annuitant rider charge will continue while the rider is in effect. The deduction for the rider charge from the Separate Account is reflected in your Contract Value. The charge for this rider continues even if you do not allocate assets in accordance with the prescribed Investment Strategy and the benefits you are eligible to receive are reduced. If you reset your benefit and allocate assets in accordance with the prescribed Investment Strategy available at that time, we will reset the charge for the rider, which may be higher than your previous charge, but will never exceed an annualized rate of 2.00% of your daily net assets in the Separate Account. Please note that you will begin paying the rider charge as of the date the rider takes effect, even if you do not begin taking withdrawals under the rider for many years, or ever. We will not refund the charges you have paid under the rider if you never choose to take withdrawals and/or if you never receive any payments under the rider. When the Rider is Effective If available, Lifetime Income Plus 2007 must be elected at application. The rider will remain in effect while the contract is in force and before the Annuity Commencement Date. The rider may not be terminated prior to the Annuity Commencement Date. On the Annuity Commencement Date, the rider, and the benefits you are eligible to receive thereunder, will terminate. At any time before the Annuity Commencement Date, you can elect to annuitize under current annuity rates in lieu of continuing Lifetime Income Plus 2007. This may provide a higher income amount and/or more favorable tax treatment than payments made under this rider. Change of Ownership We must approve any assignment or sale of this contract unless the assignment is a court ordered assignment. General Provisions For purposes of this rider: . A non-natural entity owner must name an Annuitant and may name the Annuitant's spouse as a Joint Annuitant. . An individual owner must also be an Annuitant and may name his or her spouse as a Joint Annuitant at issue. . A joint owner must be the owner's spouse. . If you marry after issue, you may add your spouse as a joint owner and Joint Annuitant or as a Joint Annuitant only, subject to our approval. . Under federal tax law, all contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Civil union partners are not permitted to continue the contract without taking required distributions upon the death of an owner. Therefore, even if named a joint owner/Joint Annuitant, a civil union partner will have to take required distributions upon the death of the other joint owner/Joint Annuitant. See the "Distribution Rules" provision of this prospectus. If this situation applies to you, you should consult a tax adviser. 96 Examples The following examples show how Lifetime Income Plus 2007 works based on hypothetical values. The examples are for illustrative purposes only and are not intended to depict investment performance of the contract and, therefore, should not be relied upon in making a decision to invest in the rider or contract. This example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) all Contract Value is allocated in accordance with the prescribed Investment Strategy at all times; (4) the owner is age 62 at issue, waits 8 years to take a withdrawal, and has a Withdrawal Factor of 6%; (5) the Roll-Up Value increases until age 70; (6) the contract earns a net return of - 2%; (7) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the greater of the Contract Value as of the prior contract anniversary, the Withdrawal Base and the Rollup Value) for the rest of the owner's life; and (8) the owner dies upon reaching age 90.

Rider Withdrawals Withdrawal Roll-Up Death Age - Contract Value - Taken - Contract Value - Base - Value - Benefit - End of Year Beginning of Year End of Year End of Year End of Year End of Year End of Year ---------------------------------------------------------------------------------------------- 63 $100,000 $ -- $98,000 $100,000 $105,000 $100,000 64 98,000 -- 96,040 100,000 110,000 100,000 65 96,040 -- 94,119 100,000 115,000 100,000 66 94,119 -- 92,237 100,000 120,000 100,000 67 92,237 -- 90,392 100,000 125,000 100,000 68 90,392 -- 88,584 100,000 130,000 100,000 69 88,584 -- 86,813 100,000 135,000 100,000 70 86,813 8,400 76,676 100,000 140,000 91,600 71 76,676 8,400 66,743 100,000 140,000 83,200 72 66,743 8,400 57,008 100,000 140,000 74,800 73 57,008 8,400 47,468 100,000 140,000 66,400 74 47,468 8,400 38,088 100,000 140,000 58,000 75 38,088 8,400 28,897 100,000 140,000 49,600 76 28,897 8,400 19,889 100,000 140,000 41,200 77 19,889 8,400 11,061 100,000 140,000 32,800 78 11,061 8,400 2,410 100,000 140,000 24,400 79 2,410 8,400 -- 100,000 140,000 16,000 80 -- 8,400 -- 100,000 140,000 7,600 81 -- 8,400 -- 100,000 140,000 -- 82 -- 8,400 -- 100,000 140,000 -- 83 -- 8,400 -- 100,000 140,000 -- 84 -- 8,400 -- 100,000 140,000 -- 85 -- 8,400 -- 100,000 140,000 -- 86 -- 8,400 -- 100,000 140,000 -- 87 -- 8,400 -- 100,000 140,000 -- 88 -- 8,400 -- 100,000 140,000 -- 89 -- 8,400 -- 100,000 140,000 -- 90 -- 8,400 -- 100,000 140,000 -- ----------------------------------------------------------------------------------------------

97 This next example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) all Contract Value is allocated in accordance with the prescribed Investment Strategy at all times; (4) the owner is age 77 at issue, waits 5 years to take a withdrawal, and has a Withdrawal Factor of 7%; (5) the Roll-Up Value increases for 5 years; (6) the contract earns a net return of -2%; (7) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the greater of the Contract Value as of the prior contract anniversary, the Withdrawal Base and the Rollup Value) for the rest of the owner's life; and (8) the owner dies upon reaching age 90.

Rider Withdrawals Withdrawal Roll-Up Death Age - Contract Value - Taken - Contract Value - Base - Value - Benefit - End of Year Beginning of Year End of Year End of Year End of Year End of Year End of Year ---------------------------------------------------------------------------------------------- 78 $100,000 $ -- $98,000 $100,000 $105,000 $100,000 79 98,000 -- 96,040 100,000 110,000 100,000 80 96,040 -- 94,119 100,000 115,000 100,000 81 94,119 -- 92,237 100,000 120,000 100,000 82 92,237 8,750 81,642 100,000 125,000 91,250 83 81,642 8,750 71,259 100,000 125,000 82,500 84 71,259 8,750 61,084 100,000 125,000 73,750 85 61,084 8,750 51,112 100,000 125,000 65,000 86 51,112 8,750 41,340 100,000 125,000 56,250 87 41,340 8,750 31,733 100,000 125,000 47,500 88 31,733 8,750 22,319 100,000 125,000 38,750 89 22,319 8,750 13,092 100,000 125,000 30,000 90 13,092 8,750 4,050 100,000 125,000 21,250 ----------------------------------------------------------------------------------------------

98 This next example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) all Contract Value is allocated in accordance with the prescribed Investment Strategy at all times; (4) the owner is age 65 at issue and has a Withdrawal Factor of 5.5%; (5) the Roll-Up Value increases for 1 year; (6) the contract earns a net return of 8%; (7) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the greater of the Contract Value as of the prior contract anniversary, the Withdrawal Base and the Rollup Value) for the rest of the owner's life; (8) the Withdrawal Base is systematically reset annually on the contract anniversary; and (9) the owner dies upon reaching age 90.

Withdrawals Withdrawal Roll-Up Rider Death Age - Contract Value - Taken - Contract Value - Base - Value - Benefit - End of Year Beginning of Year End of Year End of Year End of Year End of Year End of Year ---------------------------------------------------------------------------------------------- 66 $100,000 $5,775 $102,225 $100,000 $105,000 $102,225 67 102,225 5,775 104,628 102,225 105,000 104,628 68 104,628 5,775 107,223 104,628 105,000 107,223 69 107,223 5,897 109,904 107,223 105,000 109,904 70 109,904 6,045 112,651 109,904 105,000 112,651 71 112,651 6,196 115,468 112,651 105,000 115,468 72 115,468 6,351 118,354 115,468 105,000 118,354 73 118,354 6,509 121,313 118,354 105,000 121,313 74 121,313 6,672 124,346 121,313 105,000 124,346 75 124,346 6,839 127,455 124,346 105,000 127,455 76 127,455 7,010 130,641 127,455 105,000 130,641 77 130,641 7,185 133,907 130,641 105,000 133,907 78 133,907 7,365 137,255 133,907 105,000 137,255 79 137,255 7,549 140,686 137,255 105,000 140,686 80 140,686 7,738 144,203 140,686 105,000 144,203 81 144,203 7,931 147,808 144,203 105,000 147,808 82 147,808 8,129 151,504 147,808 105,000 151,504 83 151,504 8,333 155,291 151,504 105,000 155,291 84 155,291 8,541 159,174 155,291 105,000 159,174 85 159,174 8,755 163,153 159,174 105,000 163,153 86 163,153 8,973 167,232 163,153 105,000 167,232 87 167,232 9,198 171,412 167,232 105,000 171,412 88 171,412 9,428 175,698 171,412 105,000 175,698 89 175,698 9,663 180,090 175,698 105,000 180,090 90 180,090 9,905 184,592 180,090 105,000 184,592 ----------------------------------------------------------------------------------------------

99 Lifetime Income Plus For contracts issued on or after the later of May 1, 2006 or the date on which state insurance authorities approve applicable contract modifications. The disclosure for Lifetime Income Plus in this section applies to contracts issued on or after the later of May 1, 2006 or the date on which state insurance authorities approve applicable contract modifications. For contracts issued prior to that date, please see the disclosure for Lifetime Income Plus in the following section. Lifetime Income Plus is not available for contracts issued on or after May 1, 2008. Lifetime Income Plus provides guaranteed withdrawals for the life of the Annuitant(s), with upside potential, provided you meet certain conditions. If you: . allocate all Contract Value to the prescribed Investment Strategy; and . limit total Gross Withdrawals in each Benefit Year to an amount no greater than the Withdrawal Limit; then you will be eligible to receive total Gross Withdrawals in each Benefit Year equal to the Withdrawal Limit until the last death of an Annuitant. For important information about the Investment Strategy, please see the "Investment Strategy for the Guaranteed Minimum Withdrawal Benefit Rider Options" provision below. The guaranteed minimum withdrawal benefit provided under the rider may be reduced or lost based on the withdrawals you take from the contract. For example, your guaranteed minimum withdrawal benefit will be reduced if you take excess withdrawals in a Benefit Year. See the "Withdrawals" provision below. Your benefit will also be reduced if you choose not to follow the Investment Strategy. See the "Impact of Violating the Investment Strategy on the Withdrawal Factor and Rider Death Benefit" provision below. You will also lose the guaranteed minimum withdrawal benefit if you annuitize or surrender the contract. In addition, you will no longer receive lifetime payments of your guaranteed minimum withdrawal benefit if (i)(a) after a withdrawal, your Contract Value is less than the amount required to keep your contract in effect or (b) your Contract Value is reduced to $0 and (ii) your Withdrawal Limit is less than $100. Instead, you could receive, at least, a lump sum equal to the present value of future lifetime payments in the amount of the Withdrawal Limit. The Rider Death Benefit provided under the rider, if elected, will be reduced and may be lost based on withdrawals you take from the contract. Your benefit will also be reduced if you choose not to follow the Investment Strategy. See the "Impact of Violating the Investment Strategy on the Withdrawal Factor and Rider Death Benefit" provision below. You will also lose the Rider Death Benefit if you annuitize or surrender the contract. Withdrawal Limit. The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit is (a) multiplied by (b) where: (a) is the greater of the Contract Value on the prior contract anniversary and the Withdrawal Base; and (b) is the Withdrawal Factor. Withdrawal Base. The Withdrawal Base is an amount used to establish the Withdrawal Limit. The Withdrawal Factor is established based on the attained age of the younger Annuitant on the earlier of the Valuation Day of the first Gross Withdrawal and the Valuation Day when the Contract Value is reduced to zero. Your initial Withdrawal Base is equal to your initial purchase payment received and is adjusted when any subsequent purchase payment is received, as described in the "Purchase Payments" provision. Purchase Payments. Any purchase payment applied to your contract will adjust your Withdrawal Base and your Rider Death Benefit. In order to obtain the full benefit provided by this rider, you must allocate all assets to the prescribed Investment Strategy since the Benefit Date. If you have allocated all assets to the prescribed Investment Strategy since the Benefit Date, any subsequent purchase payment will be added to the Withdrawal Base and the Rider Death Benefit. If you have not allocated all assets to the prescribed Investment Strategy, the Withdrawal Base still will be increased by the amount of the purchase payment, but the Rider Death Benefit will be increased only by 50% of the purchase payment. Important Note. We reserve the right to not adjust the Withdrawal Base and/or the Rider Death Benefit for any subsequent purchase payments received. As a result, it is possible that you would not be able to make subsequent purchase payments after the initial purchase payment to take advantage of the benefits provided by Lifetime Income Plus that would be associated with such additional purchase payments. For example, if you make purchase payments that are not included in the calculation of your Withdrawal Base or the Rider Death Benefit, you will pay a higher rider charge to the extent that the purchase payments increase the Contract Value 100 upon which the charge is imposed. Also, to the extent your Contract Value is increased by such purchase payments, you are less likely to realize any benefit under Lifetime Income Plus, because it is less likely that your Contract Value will be less than the Withdrawal Base. Before making purchase payments that do not increase the Withdrawal Base or Rider Death Benefit, you should consider that: (i) the guaranteed amounts provided by the Withdrawal Base and the Rider Death Benefit will not include such purchase payments; (ii) any such purchase payments make it less likely that you will receive a benefit in the form of an additional amount even if your Contract Value has declined; and (iii) this rider may not make sense for you if you intend to make purchase payments that will not increase the Withdrawal Base and the Rider Death Benefit. Impact of Violating the Investment Strategy on the Withdrawal Factor and Rider Death Benefit. Beginning on the first Valuation Day after you choose not to follow the Investment Strategy, your Withdrawal Factor and Rider Death Benefit will be reduced by 50%. You may elect to resume participation in the Investment Strategy, as described in the "Restoration or Reset of the Benefit" provision below, provided we receive notice of your election at our Home Office in a form acceptable to us. We will not reduce your Withdrawal Factor or Rider Death Benefit if you are not following the Investment Strategy due to a Portfolio liquidation or a Portfolio dissolution and the assets are transferred from the liquidated or dissolved Portfolio to another Portfolio. Restoration or Reset of the Benefit Restoration. If your Withdrawal Factor and Rider Death Benefit have been reduced because you have not allocated all assets to the prescribed Investment Strategy, you will have a one-time opportunity to restore your Withdrawal Factor and Rider Death Benefit. Reset. For contracts issued on or after November 6, 2006. If all of the Annuitants are age 50 through 85, you may choose to reset your Withdrawal Base on an annual anniversary of the Contract Date that is at least 12 months after the later of the Contract Date and the last reset date. For contracts issued prior to November 6, 2006. If all of the Annuitants are age 50 through 59, you may choose to reset your Withdrawal Base on an annual anniversary of the Contract Date that is at least 12 months after the later of the Contract Date and the last reset date. If the older of the Annuitants is age 60 through 85, you may choose to reset your Withdrawal Base on an annual anniversary of the Contract Date that is at least 36 months after the later of the Contract Date and the last reset date. If you do reset your Withdrawal Base, as of that date, we will: . reset the Withdrawal Base to your Contract Value; . reset the charge for this rider. The new charge, which may be higher than your previous charge, will never exceed 2.00% annually; and . reset the Investment Strategy to the current Investment Strategy. Effective on and after July 15, 2019, the charge for Lifetime Income Plus increased, on an annual basis, to 1.25% upon reset of the Withdrawal Base. The rider charge increase applies to both single Annuitant and Joint Annuitant contracts regardless of the date the contract was issued. If you are potentially impacted, you will receive written notice in advance of your contract anniversary informing you of your options as well as a discussion of certain circumstances in which a reset would not be in your best interest. If your rider is scheduled to systematically reset, you will have the opportunity to opt-out of the systematic reset and resulting rider charge increase. If you have to request a manual reset, you will have the opportunity to reset and, if you reset, incur the higher rider charge. We reserve the right to discontinue sending written notice of the potential impact of a reset after we send you the first notice. 101 There are similarities as well as distinct differences between restoring your Withdrawal Factor and resetting your Withdrawal Base and Withdrawal Factor. The following provides a comparison of those similarities and differences:

Restore Provision Reset Provision --------------------------------------------------------------------------------- You may restore on a contract You may reset on a contract anniversary anniversary once during the life of periodically after your Benefit Date. this rider. --------------------------------------------------------------------------------- You must allocate all assets to the You must allocate all assets to the prescribed Investment Strategy in prescribed Investment Strategy effect as of the last Benefit Date available as of the date of the reset. prior to the reduction in benefits. --------------------------------------------------------------------------------- Your rider charge assessed will remain Your rider charge may increase, not to the same as the charge that was in exceed an annualized rate of 2.00% of effect as of your last Benefit Date assets in the Separate Account, prior to the reduction in benefits. calculated on a daily basis. --------------------------------------------------------------------------------- Your Withdrawal Base will be the lesser Your Withdrawal Base will be reset to of the current Contract Value and your equal your Contract Value as of the prior Withdrawal Base. date you reset your benefit. --------------------------------------------------------------------------------- The Withdrawal Factor will be restored The Withdrawal Factor will be reset to to 100% of the original age Withdrawal 100% of the original age Withdrawal Factor. Factor. --------------------------------------------------------------------------------- The Rider Death Benefit will be the The Rider Death Benefit will be the lesser of Contract Value and total lesser of Contract Value and total purchase payments less Gross purchase payments less Gross Withdrawals. Withdrawals. ---------------------------------------------------------------------------------

For either a restoration of your Withdrawal Factor, or a reset of your Withdrawal Base, we must receive notice of your election in writing at our Home Office, at least 15 days prior to your next contract anniversary. You may restore your Withdrawal Factor and Rider Death Benefit once during the life of your contract. You may not use the restore or reset provision if any Annuitant is older than age 85 on the contract anniversary. We reserve the right to limit the restoration date to a contract anniversary on or after three complete years from the Benefit Date. Systematic Resets. You may elect to reset your Withdrawal Base automatically on an available contract anniversary (a "systematic reset"). If you have not previously elected to systematically reset your benefit, or if your election has terminated, we must receive written notice of your election to systematically reset your benefit at our Home Office at least 15 days prior to your next contract anniversary. A systematic reset of your Withdrawal Base will occur when your contract value is higher than the Withdrawal Base as of the available contract anniversary or, if the contract anniversary is not a Valuation Day, as of the next Valuation Day. By "available contract anniversary" we mean a contract anniversary on which you are eligible to reset your benefit, as such requirements (age and otherwise) are described herein. Systematic resets will continue until and unless: (a) the Investment Strategy is violated; (b) the owner (or owners) submits a written request to our Home Office to terminate systematic resets; (c) income payments begin via annuitization; (d) the Investment Strategy changes, allocations are affected, and we do not receive confirmation from you at our Home Office of new allocations; or (e) ownership changes. Please note that a systematic reset will occur on an available contract anniversary if contract value is even nominally higher than the Withdrawal Base (e.g., as little as $1.00 or even $0.01 higher) and, therefore, a systematic reset may not be in your best interest because: (i) the charge for this rider may be higher than your previous charge; (ii) the Investment Strategy will be reset to the current Investment Strategy (the Investment Strategy offered on the reset date); and (iii) if your contract restricts resets to a frequency of three years, you will not be able to again reset your benefit for three years. Please carefully consider whether it is in your best interest to elect to systematically reset your Withdrawal Base. Withdrawals. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal Limit, your Withdrawal Base and Rider Death Benefit are reduced. The new Withdrawal Base equals the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and 102 (b) is the prior Withdrawal Base minus the Gross Withdrawal. The new Rider Death Benefit equals the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Rider Death Benefit minus the Gross Withdrawal. If the total Gross Withdrawals in a Benefit Year are less than or equal to the Withdrawal Limit, we will waive any surrender charge on such total Gross Withdrawals. If all Contract Value is allocated to the Investment Strategy, the Withdrawal Limit will be increased for any Benefit Year to the extent necessary to meet any minimum distribution requirements based on life expectancy under federal tax law. This increase applies only to the required minimum distribution based on the Contract Value. You should carefully consider when to begin taking withdrawals if you elected Lifetime Income Plus. The longer you wait before beginning to take withdrawals, the higher the Withdrawal Factor will be, which is one of the components used to determine the amount of your Withdrawal Limit. If you delay taking withdrawals too long, however, you may limit the number of years available for you to take withdrawals in the future (due to life expectancy) and you may be paying for a benefit you are not using. Your Contract Value after taking a withdrawal may be less than the amount required to keep your contract in effect. In this event or if your Contract Value becomes zero, your contract and all riders and endorsements, including this rider, will terminate and the following will occur: . If the Withdrawal Limit is less than $100, we will pay you the greatest of the Rider Death Benefit, Contract Value and the present value of the Withdrawal Limit in a lump sum calculated using the Annuity 2000 Mortality Table and an interest rate of 3%. . If the Withdrawal Limit is greater than or equal to $100, we will issue you a supplemental contract. We will continue to pay you the Withdrawal Limit until the last death of an Annuitant. We will make payments monthly or on another periodic basis agreed to by us. If the monthly amount is less than $100, we will reduce the frequency so that the payment will be at least $100. The Rider Death Benefit will continue under the supplemental contract. The Rider Death Benefit will be reduced by each payment made under the supplemental contract. The Rider Death Benefit, if any, will be payable on the last death of an Annuitant. Rider Death Benefit. This rider provides for a death benefit (the "Rider Death Benefit") that, on the Contract Date, is equal to the initial purchase payment. The Rider Death Benefit is used to determine the death benefit payable upon the death of the last Annuitant as described in the "Death Provisions" section below. Purchase payments applied to your contract in a Benefit Year increase the Rider Death Benefit. If you have allocated all assets to the Investment Strategy since the Benefit Date, any subsequent purchase payment will be added to the Rider Death Benefit. Otherwise, the Rider Death Benefit will be increased only by 50% of the purchase payment. Gross Withdrawals in a Benefit Year decrease the Rider Death Benefit. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is less than or equal to the Withdrawal Limit, the Rider Death Benefit will be reduced by the Gross Withdrawal. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal Limit, your Rider Death Benefit will equal the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Rider Death Benefit minus the Gross Withdrawal. If you choose not to follow the Investment Strategy, your Rider Death Benefit will be reduced as described in the "Impact of Violating the Investment Strategy on the Withdrawal Factor and Rider Death Benefit" provision above. Rider Charge. We assess a charge for the guaranteed minimum withdrawal benefit provided by the rider. The charge for Lifetime Income Plus for those contracts that reset their Withdrawal Base on or after July 15, 2019 is equal to 1.25% of the daily net assets in the Separate Account for both single Annuitant and Joint Annuitant contracts. The charge for Lifetime Income Plus for those contracts that have not reset their Withdrawal Base on or after July 15, 2019 is equal to 0.60% of the daily net assets in the Separate Account for single Annuitant contracts and 0.75% of the daily net assets in the Separate Account for Joint Annuitant contracts. Once a contract is a Joint Annuitant contract, and the Joint Annuitant charge is applied, the Joint Annuitant rider charge will continue while the rider is in effect. The deduction for the rider charge from the Separate Account is reflected in your Contract Value. The charge for this rider 103 continues even if you do not allocate assets in accordance with the prescribed Investment Strategy and the benefits you are eligible to receive are reduced. If you reset your benefit and allocate assets in accordance with the prescribed Investment Strategy available at that time, we will reset the charge for the rider, which may be higher than your previous charge, but will never exceed an annualized rate of 2.00% of your daily net assets in the Separate Account. Please note that you will begin paying the rider charge as of the date the rider takes effect, even if you do not begin taking withdrawals under the rider for many years, or ever. We will not refund the charges you have paid under the rider if you never choose to take withdrawals and/or if you never receive any payments under the rider. Considerations. While the rider is designed to provide life-time withdrawal benefits, these benefits are only guaranteed to the extent you comply with the limits, conditions and restrictions set forth in the contract. When the Rider is Effective Lifetime Income Plus must be elected at application. Lifetime Income Plus is not available for contracts issued on or after May 1, 2008. The rider will remain in effect while the contract is in force and before the Annuity Commencement Date. The rider may not be terminated prior to the Annuity Commencement Date. On the Annuity Commencement Date, the rider, and the benefits you are eligible to receive thereunder, will terminate. At any time before the Annuity Commencement Date, you can elect to annuitize under current annuity rates in lieu of continuing Lifetime Income Plus. This may provide a higher income amount and/or more favorable tax treatment than payments made under this rider. Change of Ownership We must approve any assignment or sale of this contract unless the assignment is a court ordered assignment. General Provisions For purposes of this rider: . A non-natural entity owner must name an Annuitant and may name the Annuitant's spouse as a Joint Annuitant. . An individual owner must also be an Annuitant. . You may name only your spouse as a joint owner. . If there is only one owner, that owner may name only his or her spouse as a Joint Annuitant at issue. . If you marry after issue, you may add your spouse as a joint owner and Joint Annuitant or as a Joint Annuitant only, subject to our approval. . Under federal tax law, all contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Civil union partners are not permitted to continue the contract without taking required distributions upon the death of an owner. Therefore, even if named a joint owner/Joint Annuitant, a civil union partner will have to take required distributions upon the death of the other joint owner/Joint Annuitant. See the "Distribution Rules" provision of this prospectus. If this situation applies to you, you should consult a tax adviser. Death Provisions At the death of the last Annuitant, a death benefit may be payable under this contract and rider. The amount of any death benefit payable will be the greatest of (a), (b) and (c), where: (a) is the death benefit as calculated under the base Contract; (b) is the Rider Death Benefit; and (c) is any amount payable by any other optional death benefit rider. The death benefit payable will be paid according to the distribution rules under the contract. If the designated beneficiary is a surviving spouse who is not an Annuitant, whose age is 50 through 85, and who elects to continue the contract as the new owner, this rider will continue. The Withdrawal Base for the new owner will be the death benefit determined as of the first Valuation Day we have receipt of due proof of death and all required forms at our Home Office. The Withdrawal Factor for the new owner will be based on the age of that owner on the date of the first Gross Withdrawal for that owner. If the designated beneficiary is a surviving spouse who is an Annuitant and who elects to continue the contract as the owner, this rider will continue. The Withdrawal Base will be the same 104 as it was under the contract for the deceased owner. If no withdrawals were taken prior to the first Valuation Day we receive due proof of death and all required forms at our Home Office, the Withdrawal Factor for the surviving spouse will be established based on the attained age of the surviving spouse on the date of the first Gross Withdrawal for the surviving spouse. Otherwise, the Withdrawal Factor will continue as it was under the contract for the deceased Owner. If the surviving spouse cannot continue the rider, the rider and the rider charge will terminate on the next contract anniversary. Proceeds that were transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund upon the death of the owner will be reallocated to the Investment Strategy, if applicable, and the asset percentages then in effect at the time of the death of the owner. Such reallocations will not be counted as a transfer for the purpose of the number of transfers allowed under the contract in a calendar year. 105 Examples The following examples show how Lifetime Income Plus works based on hypothetical values. It is not intended to depict investment performance of the contract. This example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) all Contract Value is allocated in accordance with the prescribed Investment Strategy at all times; (4) the owner is age 65 at issue and has a Withdrawal Factor of 5.5%; (5) the contract earns a net return of -2%; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the greater of the Contract Value as of the prior contract anniversary and the Withdrawal Base) until the Contract Value reduces to zero, at which time a supplemental contract is issued which pays the Withdrawal Limit for the rest of the owner's life; and (7) the owner dies upon reaching age 90.

Withdrawals Withdrawal Rider Death Contract Value - Taken - Contract Value - Base - Benefit - Age Beginning of Year End of Year End of Year End of Year End of Year -------------------------------------------------------------------------- 65 $100,000 $5,500 $92,500 $100,000 $94,500 66 92,500 5,500 85,150 100,000 89,000 67 85,150 5,500 77,947 100,000 83,500 68 77,947 5,500 70,888 100,000 78,000 69 70,888 5,500 63,970 100,000 72,500 70 63,970 5,500 57,191 100,000 67,000 71 57,191 5,500 50,547 100,000 61,500 72 50,547 5,500 44,036 100,000 56,000 73 44,036 5,500 37,625 100,000 50,500 74 37,625 5,500 31,343 100,000 45,000 75 31,343 5,500 25,186 100,000 39,500 76 25,186 5,500 19,152 100,000 34,000 77 19,152 5,500 13,239 100,000 28,500 78 13,239 5,500 7,444 100,000 23,000 79 7,444 5,500 1,766 100,000 17,500 80 1,766 5,500 -- 100,000 12,000 81 -- 5,500 -- 100,000 6,500 82 -- 5,500 -- 100,000 1,000 83 -- 5,500 -- 100,000 -- 84 -- 5,500 -- 100,000 -- 85 -- 5,500 -- 100,000 -- 86 -- 5,500 -- 100,000 -- 87 -- 5,500 -- 100,000 -- 88 -- 5,500 -- 100,000 -- 89 -- 5,500 -- 100,000 -- --------------------------------------------------------------------------

106 This next example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) all Contract Value is allocated in accordance with the prescribed Investment Strategy at all times; (4) the owner is age 65 at issue and has a Withdrawal Factor of 5.5%; (5) the contract earns a net return of 8%; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the greater of the Contract Value as of the prior contract anniversary and the Withdrawal Base) for the rest of the owner's life; (7) the owner resets the Withdrawal Base every contract anniversary; and (8) the owner dies upon reaching age 90.

Withdrawals Withdrawal Rider Death Contract Value - Taken - Contract Value - Base - Benefit - Age Beginning of Year End of Year End of Year Beginning of Year End of Year -------------------------------------------------------------------------------- 65 $100,000 $5,500 $102,500 $100,000 $94,500 66 102,500 5,638 105,063 102,500 88,863 67 105,063 5,778 107,689 105,063 83,084 68 107,689 5,923 110,381 107,689 77,161 69 110,381 6,071 113,141 110,381 71,090 70 113,141 6,223 115,969 113,141 64,867 71 115,969 6,378 118,869 115,969 58,489 72 118,869 6,538 121,840 118,869 51,951 73 121,840 6,701 124,886 121,840 45,250 74 124,886 6,869 128,008 124,886 38,381 75 128,008 7,040 131,209 128,008 31,341 76 131,209 7,216 134,489 131,209 24,124 77 134,489 7,397 137,851 134,489 16,728 78 137,851 7,582 141,297 137,851 9,146 79 141,297 7,771 144,830 141,297 1,374 80 144,830 7,966 148,451 144,830 -- 81 148,451 8,165 152,162 148,451 -- 82 152,162 8,369 155,966 152,162 -- 83 155,966 8,578 159,865 155,966 -- 84 159,865 8,793 163,862 159,865 -- 85 163,862 9,012 167,958 163,862 -- 86 167,958 9,238 172,157 167,958 -- 87 172,157 9,469 176,461 172,157 -- 88 176,461 9,705 180,873 176,461 -- 89 180,873 9,948 185,394 180,873 -- --------------------------------------------------------------------------------

107 Lifetime Income Plus For contracts issued prior to May 1, 2006 or the date on which state insurance authorities approve applicable contract modifications. The disclosure for Lifetime Income Plus in this section applies to contracts issued prior to May 1, 2006 or the date on which state insurance authorities approve applicable contract modifications. For contracts issued after that date, please see the disclosure for Lifetime Income Plus in the previous section. Lifetime Income Plus is not available for contracts issued on or after May 1, 2008. Lifetime Income Plus provides guaranteed withdrawals until the first death of an Annuitant, with upside potential, provided you meet certain conditions. If you: . allocate all Contract Value to the prescribed Investment Strategy; and . limit total Gross Withdrawals in each Benefit Year to an amount no greater than the Withdrawal Limit; then you will be eligible to receive total Gross Withdrawals in each Benefit Year equal to the Withdrawal Limit until the first death of an Annuitant. For important information about the Investment Strategy, please see the "Investment Strategy for the Guaranteed Minimum Withdrawal Benefit Rider Options" provision below. The guaranteed minimum withdrawal benefit provided under the rider may be reduced or lost based on the withdrawals you take from the contract. For example, your guaranteed minimum withdrawal benefit will be reduced if you take excess withdrawals in a Benefit Year. See the "Withdrawals" provision below. Your benefit will also be reduced if you choose not to follow the Investment Strategy. See the "Purchase Payments" provision below. You will also lose the guaranteed minimum withdrawal benefit if you annuitize or surrender the contract. In addition, you will no longer receive lifetime payments of your guaranteed minimum withdrawal benefit if (i)(a) after a withdrawal, your Contract Value is less than the amount required to keep your contract in effect or (b) your Contract Value is reduced to $0 and (ii) your Withdrawal Limit is less than $100. Instead, you could receive, at least, a lump sum equal to the present value of future lifetime payments in the amount of the Withdrawal Limit. The Rider Death Benefit provided under the rider, if elected, will be reduced and may be lost based on withdrawals you take from the contract. Your benefit will also be reduced if you choose not to follow the Investment Strategy. See the "Purchase Payments" provision below. You will also lose the Rider Death Benefit if you annuitize or surrender the contract. Withdrawal Limit. The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit is (a) multiplied by (b) where: (a) is the greater of the Contract Value on the prior contract anniversary and the Withdrawal Base; and (b) is the Withdrawal Factor. Withdrawal Base. The Withdrawal Base is an amount used to establish the Withdrawal Limit. The Withdrawal Factor is based on the age of the younger Annuitant on the earlier of the Valuation Day of the first Gross Withdrawal or the Valuation Day when the Contract Value is reduced to zero. Age will be determined as of the later of the Contract Date and the previous contract anniversary. Your initial Withdrawal Base is equal to your initial purchase payment received and is adjusted when any subsequent purchase payment is received (see "Purchase Payments" below). Your Withdrawal Base can never exceed $2,000,000. This maximum amount applies to all contracts that you own with us and our affiliated companies. Death Provisions Under Lifetime Income Plus. This rider provides a death benefit equal to purchase payments, minus Gross Withdrawals (the "Rider Death Benefit"). At the death of any Annuitant, a death benefit is payable under the contract. The death benefit payable is the greatest of (a), (b), and (c), where: (a) is the death benefit as calculated under the base contract; (b) is the Rider Death Benefit; (c) is any amount payable by any other optional death benefit rider. The death benefit payable will be paid in accordance with the distribution rules under the contract. (See the "Distribution Rules When Death Occurs Before Income Payments Begin" in this prospectus.) If the designated beneficiary is a surviving spouse whose age is at least 60 and not more than 85 on the date of the death of the first Annuitant, and such spouse elects to continue the contract as the new owner, this rider will continue. As of the first Valuation Day on which we have receipt of due proof of death and all required forms at our Home Office, the Withdrawal Base for the new owner will be the equal to the death benefit as calculated in the paragraph above. The new Withdrawal Factor for the new owner will be based on the age of that owner on the date of the first Gross Withdrawal for that owner. 108 If the surviving spouse cannot or does not, continue the rider, or if the designated beneficiary is not a spouse, the rider and the rider charge will terminate on the next contract anniversary. Purchase Payments. Any purchase payment applied to your contract will adjust your Withdrawal Base and your Rider Death Benefit. In order to obtain the full benefit provided by this rider, you must allocate all assets to the prescribed Investment Strategy since the Benefit Date. If you have allocated all assets to the prescribed Investment Strategy since the Benefit Date, any subsequent purchase payment will be added to the Withdrawal Base and the Rider Death Benefit. Beginning on the first Valuation Day after you choose not to follow the Investment Strategy, your Withdrawal Factor and Rider Death Benefit will be reduced by 50%. We will not reduce your Withdrawal Factor or Rider Death Benefit if you are not following the Investment Strategy due to a Portfolio liquidation or a Portfolio dissolution and the assets are transferred from the liquidated or dissolved Portfolio to another Portfolio. If you have not allocated assets to a prescribed Investment Strategy, which consequently caused a reduction in your Withdrawal Factor and Rider Death Benefit and then you make a subsequent purchase payment, only 50% of the subsequent purchase payment will be added to the Withdrawal Base and the Rider Death Benefit. Important Note. We reserve the right to not adjust the Withdrawal Base and/or the Rider Death Benefit for any subsequent purchase payments received. As a result, it is possible that you would not be able to make subsequent purchase payments after the initial purchase payment to take advantage of the benefits provided by Lifetime Income Plus that would be associated with such additional purchase payments. For example, if you make purchase payments that are not included in the calculation of your Withdrawal Base or the Rider Death Benefit, you will pay a higher rider charge to the extent that the purchase payments increase the Contract Value upon which the charge is imposed. Also, to the extent your Contract Value is increased by such purchase payments, you are less likely to realize any benefit under Lifetime Income Plus, because it is less likely that your Contract Value will be less than the Withdrawal Base. Before making purchase payments that do not increase the Withdrawal Base or Rider Death Benefit, you should consider that: (i) the guaranteed amounts provided by the Withdrawal Base and the Rider Death Benefit will not include such purchase payments; (ii) any such purchase payments make it less likely that you will receive a benefit in the form of an additional amount even if your Contract Value has declined; and (iii) this rider may not make sense for you if you intend to make purchase payments that will not increase the Withdrawal Base and the Rider Death Benefit. Restoration or Reset of the Benefit. If your Withdrawal Factor and Rider Death Benefit have been reduced because you have not allocated all assets to the prescribed Investment Strategy, you will have a one-time opportunity to restore your Withdrawal Factor and Rider Death Benefit. You may also reset your Withdrawal Base to the Contract Value as of the contract anniversary, at least three years after your Benefit Date. We may assess an increased charge, not to exceed an annualized rate of 2.00% of your assets in the Separate Account. Effective on and after July 15, 2019, the charge for Lifetime Income Plus increased, on an annual basis, to 1.25% upon reset of the Withdrawal Base. If you are potentially impacted, you will receive written notice in advance of your contract anniversary informing you of your options as well as a discussion of certain circumstances in which a reset would not be in your best interest. If your rider is scheduled to systematically reset, you will have the opportunity to opt-out of the systematic reset and resulting rider charge increase. If you have to request a manual reset, you will have the opportunity to reset and, if you reset, incur the higher rider charge. We reserve the right to discontinue sending written notice of the potential impact of a reset after we send you the first notice. 109 There are similarities as well as distinct differences between restoring your Withdrawal Factor and resetting your Withdrawal Base and Withdrawal Factor. The following provides a comparison of those similarities and differences:

Restore Provision Reset Provision --------------------------------------------------------------------------------- May only be restored one time and must May be reset on any contract be restored on a contract anniversary anniversary at least three years after your Benefit Date --------------------------------------------------------------------------------- You must allocate all assets to the You must allocate all assets to the prescribed Investment Strategy in prescribed Investment Strategy effect as of the last Benefit Date available as of the date of the reset prior to the reduction in benefits --------------------------------------------------------------------------------- Your rider charge assessed will remain Your rider charge may increase, not to the same as the charge that was in exceed an annualized rate of 2.00% of effect as of your last Benefit Date assets in the Separate Account, prior to the reduction in benefits calculated on a daily basis --------------------------------------------------------------------------------- Your Withdrawal Base will be the lesser Your Withdrawal Base will be reset to of the current Contract Value and your equal your Contract Value as of the prior Withdrawal Base date you reset your benefit --------------------------------------------------------------------------------- The Withdrawal Factor will be restored The Withdrawal Factor will be reset to to 100% of the original age Withdrawal 100% of the original age Withdrawal Factor Factor --------------------------------------------------------------------------------- The Rider Death Benefit will be the The Rider Death Benefit will be the lesser of Contract Value and total lesser of Contract Value and total purchase payments, less Gross purchase payments, less Gross Withdrawals Withdrawals ---------------------------------------------------------------------------------

For either a restoration of your Withdrawal Factor, or a reset of a new Withdrawal Base, we must receive notice of your election in writing at our Home Office, at least 15 days prior to your next contract anniversary. You may restore your Withdrawal Factor and Rider Death Benefit only once during the life of your contract. You may not use the restore or reset provision if any Annuitant is age 86 or older on the contract anniversary prior to the receipt of that request. We reserve the right to limit the next available restoration date to a contract anniversary on or after three complete years from the Benefit Date. Systematic Resets. You may elect to reset your Withdrawal Base automatically on an available contract anniversary (a "systematic reset"). If you have not previously elected to systematically reset your benefit, or if your election has terminated, we must receive written notice of your election to systematically reset your benefit at our Home Office at least 15 days prior to your next contract anniversary. A systematic reset of your Withdrawal Base will occur when your contract value is higher than the Withdrawal Base as of the available contract anniversary or, if the contract anniversary is not a Valuation Day, as of the next Valuation Day. By "available contract anniversary" we mean a contract anniversary on which you are eligible to reset your benefit, as such requirements (age and otherwise) are described herein. Systematic resets will continue until and unless: (a) the Investment Strategy is violated; (b) the owner (or owners) submits a written request to terminate systematic resets; (c) income payments begin via annuitization; (d) the Investment Strategy changes, allocations are affected, and we do not receive confirmation of new allocations; or (e) ownership changes. Please note that a systematic reset will occur on an available contract anniversary if contract value is even nominally higher than the Withdrawal Base (e.g., as little as $1.00 or even $0.01 higher) and, therefore, a systematic reset may not be in your best interest because: (i) the charge for this rider may be higher than your previous charge; (ii) the Investment Strategy will be reset to the current Investment Strategy (the Investment Strategy offered on the reset date); and (iii) you will not be able to again reset your benefit for three years. Please carefully consider whether it is in your best interest to elect to systematically reset your Withdrawal Base. Withdrawals. If a Gross Withdrawal, plus all prior Gross Withdrawals in a Benefit Year is in excess of the Withdrawal Limit, your Withdrawal Base and Rider Death Benefit are reduced. The new Withdrawal Base equals the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Withdrawal Base minus the Gross Withdrawal. 110 The new Rider Death Benefit equals the lesser of (a) and (b), where: (a) is the Contract Value on the Valuation Day after the Gross Withdrawal; and (b) is the prior Rider Death Benefit minus the Gross Withdrawal. If the total Gross Withdrawals in a Benefit Year are less than or equal to the Withdrawal Limit, we will waive any surrender charge on such total Gross Withdrawals. The Withdrawal Limit will be increased for any Benefit Year to the extent necessary to meet any minimum distribution requirements based on life expectancy under federal tax law. This increase applies only to the required minimum distribution based on the Contract Value. You should carefully consider when to begin taking withdrawals if you elected Lifetime Income Plus. The longer you wait before beginning to take withdrawals, the higher the Withdrawal Factor will be, which is one of the components used to determine the amount of your Withdrawal Limit. If you delay taking withdrawals too long, however, you may limit the number of years available for you to take withdrawals in the future (due to life expectancy) and you may be paying for a benefit you are not using. Your Contract Value after taking a withdrawal may be less than the amount required to keep your contract in effect. In this event your contract, all riders and endorsements, including this rider, will terminate and the following will occur: . If the Withdrawal Limit is less than $100, we will pay you the greatest of the Rider Death Benefit, the Contract Value and the present value of the Withdrawal Limit in a lump sum calculated using the Annuity 2000 Mortality Table and an interest rate of 3%. . If the Withdrawal Limit is greater than or equal to $100, we will issue you a supplemental contract. We will continue to pay you the Withdrawal Limit until the first death of an Annuitant. We will make payments monthly or on another periodic basis agreed to by us. If the monthly amount is less than $100, we will reduce the frequency so that the payment will be at least $100. Rider Charge. We assess a charge for the guaranteed minimum withdrawal benefit provided by the rider. The charge for Lifetime Income Plus for those contracts that reset their Withdrawal Base on or after July 15, 2019 is equal to 1.25% of the daily net assets in the Separate Account. The charge for Lifetime Income Plus for those contracts that have not reset their Withdrawal Base on or after July 15, 2019 is equal to 0.60% of the daily net assets in the Separate Account. The deduction for the rider charge from the Separate Account is reflected in your Contract Value. The charge for this rider continues even if you do not allocate assets in accordance with the prescribed Investment Strategy and the benefits you are eligible to receive are reduced. If you reset your benefit and allocate assets in accordance with the prescribed Investment Strategy available at that time, we will reset the charge for the rider, which may be higher than your previous charge, but will never exceed an annualized rate of 2.00% of your daily net assets in the Separate Account. Please note that you will begin paying the rider charge as of the date the rider takes effect, even if you do not begin taking withdrawals under the rider for many years, or ever. We will not refund the charges you have paid under the rider if you never choose to take withdrawals and/or if you never receive any payments under the rider. Considerations. While the rider is designed to provide life-time withdrawal benefits, these benefits are only guaranteed to the extent you comply with the limits, conditions and restrictions set forth in the contract. When the Rider is Effective Lifetime Income Plus must be elected at application. Lifetime Income Plus is not available for contracts issued on or after May 1, 2008. The rider will remain in effect while the contract is in force and before income payments begin. The rider may not be terminated prior to the Annuity Commencement Date. On the Annuity Commencement Date, the rider, and the benefits you are eligible to receive thereunder, will terminate. At any time before the Annuity Commencement Date, you can elect to annuitize under current annuity rates in lieu of continuing Lifetime Income Plus. This may provide a higher income amount and/or more favorable tax treatment than payments made under this rider. Ownership and Change of Ownership We must approve any assignment or sale of this contract unless the assignment is a court ordered assignment. If you marry after issue, you may add your spouse as a joint owner and Joint Annuitant or as a Joint Annuitant only, subject to our approval. Under federal tax law, all contract provisions relating to spousal continuation are available only to a person who meets the 111 definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Civil union partners are not permitted to continue the contract without taking required distributions upon the death of an owner. Therefore, even if named a joint owner/Joint Annuitant, a civil union partner will have to take required distributions upon the death of the other joint owner/Joint Annuitant. See the "Distribution Rules" provision of this prospectus. If this situation applies to you, you should consult a tax adviser. Spousal Continuation If the designated beneficiary is a surviving spouse who elects to continue the contract as the new owner, this rider will continue. Proceeds that were transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund upon the death of the owner will be reallocated to the Investment Strategy, if applicable, and the asset percentages then in effect at the time of the death of the owner. Such reallocations will not be counted as a transfer for the purpose of the number of transfers allowed under the contract in a calendar year. 112 Examples The following examples show how Lifetime Income Plus works based on hypothetical values. The examples are for illustrative purposes only and are not intended to depict investment performance of the contract and, therefore, should not be relied upon in making a decision to invest in the rider or contract. This example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) all Contract Value is allocated in accordance with the prescribed Investment Strategy at all times; (4) the owner is age 65 at issue and has a Withdrawal Factor of 5%; (5) the contract earns a net return of -2%; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the greater of the Withdrawal Base and the Contract Value as of the prior contract anniversary) until the Contract Value reduces below $1,000, at which time a supplemental contract is issued which pays the Withdrawal Limit for the rest of the owner's life; and (7) the owner dies upon reaching age 90.

Withdrawals Withdrawal Rider Death Contract Value - Taken - Contract Value - Base - Benefit - Age Beginning of Year End of Year End of Year End of Year End of Year -------------------------------------------------------------------------- 65 $100,000 $5,000 $93,000 $100,000 $95,000 66 93,000 5,000 86,140 100,000 90,000 67 86,140 5,000 79,417 100,000 85,000 68 79,417 5,000 72,829 100,000 80,000 69 72,829 5,000 66,372 100,000 75,000 70 66,372 5,000 60,045 100,000 70,000 71 60,045 5,000 53,844 100,000 65,000 72 53,844 5,000 47,767 100,000 60,000 73 47,767 5,000 41,812 100,000 55,000 74 41,812 5,000 35,945 100,000 50,000 75 35,945 5,000 30,197 100,000 45,000 76 30,197 5,000 24,563 100,000 40,000 77 24,563 5,000 19,041 100,000 35,000 78 19,041 5,000 13,631 100,000 30,000 79 13,631 5,000 8,328 100,000 25,000 80 8,328 5,000 3,131 100,000 20,000 81 3,131 5,000 -- 100,000 15,000 82 -- 5,000 -- 100,000 10,000 83 -- 5,000 -- 100,000 5,000 84 -- 5,000 -- 100,000 -- 85 -- 5,000 -- 100,000 -- 86 -- 5,000 -- 100,000 -- 87 -- 5,000 -- 100,000 -- 88 -- 5,000 -- 100,000 -- 89 -- 5,000 -- 100,000 -- --------------------------------------------------------------------------

113 This next example assumes: (1) the owner, who is also the Annuitant, purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) all Contract Value is allocated in accordance with the prescribed Investment Strategy at all times; (4) the owner is age 65 at issue and has a Withdrawal Factor of 5%; (5) the contract earns a net return of 8%; (6) the owner takes partial withdrawals equal to the Withdrawal Limit (which is the Withdrawal Factor multiplied by the greater of the Withdrawal Base and the Contract Value as of the prior contract anniversary) for the rest of the owner's life; (7) the owner dies upon reaching age 90; and (8) the Withdrawal Base is reset every three contract anniversaries.

Withdrawals Withdrawal Rider Death Contract Value - Taken - Contract Value - Base - Benefit - Age Beginning of Year End of Year End of Year End of Year End of Year -------------------------------------------------------------------------- 65 $100,000 $ 5,000 $103,000 $100,000 $95,000 66 103,000 5,150 106,090 100,000 89,850 67 106,090 5,305 109,273 100,000 84,546 68 109,273 5,464 112,551 109,273 79,082 69 112,551 5,628 115,927 109,273 73,454 70 115,927 5,796 119,405 109,273 67,658 71 119,405 5,970 122,987 119,405 61,688 72 122,987 6,149 126,677 119,405 55,538 73 126,677 6,334 130,477 119,405 49,204 74 130,477 6,524 134,392 130,477 42,681 75 134,392 6,720 138,423 130,477 35,961 76 138,423 6,921 142,576 130,477 29,040 77 142,576 7,129 146,853 142,576 21,911 78 146,853 7,343 151,259 142,576 14,568 79 151,259 7,563 155,797 142,576 7,005 80 155,797 7,790 160,471 155,797 -- 81 160,471 8,024 165,285 155,797 -- 82 165,285 8,264 170,243 155,797 -- 83 170,243 8,512 175,351 170,243 -- 84 175,351 8,768 180,611 170,243 -- 85 180,611 9,031 186,029 170,243 -- 86 186,029 9,301 191,610 186,029 -- 87 191,610 9,581 197,359 186,029 -- 88 197,359 9,868 203,279 186,029 -- 89 203,279 10,164 209,378 203,279 -- --------------------------------------------------------------------------

114 Guaranteed Withdrawal Advantage Guaranteed Withdrawal Advantage is not available for contracts issued on or after May 1, 2007. The Guaranteed Withdrawal Advantage provides guaranteed withdrawals, with upside potential, provided you meet certain conditions. If you: . allocate all Contract Value to the prescribed Investment Strategy; and . limit total Gross Withdrawals in each Benefit Year to an amount less than or equal to the Withdrawal Limit; you will be eligible to receive total Gross Withdrawals at least equal to your protected amount, even if your Contract Value reduces to zero. For important information about the Investment Strategy, please see the "Investment Strategy for the Guaranteed Minimum Withdrawal Benefit Rider Options" provision below. The guaranteed minimum withdrawal benefit provided under the rider may be reduced or lost based on the withdrawals you take from the contract. For example, your guaranteed minimum withdrawal benefit will be reduced if you take excess withdrawals in a Benefit Year. See the "Withdrawals" provision below. Your benefit will also be reduced if you choose not to follow the Investment Strategy. See the "Subsequent Purchase Payments" provision below. You will also lose the guaranteed minimum withdrawal benefit if you annuitize or surrender the contract. Withdrawal Limit. The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit is equal to (a) multiplied by (b), where: (a) is the protected amount; and (b) is the Withdrawal Factor for the wait period. The wait period is the number of completed months from the later of the Benefit Date and the Valuation Day of the most recent purchase payment to the Valuation Day of the first withdrawal after that date. Protected Amount. Your protected amount is used to calculate the Withdrawal Limit, which is the total amount you may withdraw in a Benefit Year without reducing the benefits provided under this rider. Your initial protected amount equals purchase payments applied to the contract on the Contract Date. The protected amount does not change unless: . an additional purchase payment is applied to your protected amount; or . you elect to reset the protected amount. Your protected amount can never exceed $2,000,000. This maximum amount applies to all contracts that you own with us and our affiliated companies. Your initial remaining amount is equal to your initial protected amount. Subsequent Purchase Payments. Any additional purchase payment applied to your contract will adjust your protected amount and remaining amount. If you have allocated assets in accordance with the prescribed Investment Strategy since the Benefit Date, the protected amount and remaining amount will be increased by the subsequent purchase payment. Otherwise, both the protected amount and the remaining amount will be increased only by 50% of the purchase payment. Important Note. We reserve the right to not adjust protected amounts and remaining amounts for any additional purchase payments. As a result, it is possible that you would not be able to make subsequent purchase payments after the initial purchase payment to take advantage of the benefits provided by the Guaranteed Minimum Withdrawal Benefit Rider that would be associated with such additional purchase payments. For example, if you make purchase payments that are not included in the calculation of your protected amount and remaining amount, you will pay a higher rider charge to the extent that the purchase payments increase the Contract Value upon which the charge is imposed. Also, to the extent your Contract Value is increased by such purchase payments, you are less likely to realize any benefit under the Guaranteed Minimum Withdrawal Benefit Rider, because it is less likely that your Contract Value will be less than the protected amount or remaining amount, as the case may be. Before making purchase payments that do not increase the protected amount and remaining amount, you should consider that: (i) the guaranteed amounts provided by the protected amount and remaining amount will not include such purchase payments; (ii) any such purchase payments make it less likely that you will receive a benefit in the form of an additional amount even if your Contract Value has declined; and (iii) this rider may not make sense for you if you intend to make purchase payments that will not increase the protected amount and remaining amount. Reset. On any monthly anniversary after five complete years from your Benefit Date, you may elect to reset your benefit and to participate in the Investment Strategy available at that time, provided we receive written notice of your election at our Home Office. If you do, we will as of that reset date: . reset the protected amount and remaining amount to equal your Contract Value; 115 . reset the charge for this rider (the new charge, which may be higher than your previous charge, will never exceed an annual rate of 1.00%); and . reset the Investment Strategy to the current Investment Strategy. We reserve the right to limit the next available reset date to an anniversary on or after five complete years from the Benefit Date. Withdrawals. If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is less than or equal to the Withdrawal Limit, the remaining amount is reduced by the Gross Withdrawal. If a Gross Withdrawal, plus all prior Gross Withdrawals in a Benefit Year, is in excess of the Withdrawal Limit, your remaining amount is reduced, causing a reduction in your total benefits provided under this rider. The new remaining amount equals the lesser of (a) and (b), where: (a) is the Contract Value after the Gross Withdrawal; and (b) is the prior remaining amount less the Gross Withdrawal. If the total Gross Withdrawals in a Benefit Year is less than or equal to the Withdrawal Limit, we will waive any surrender charge on such total Gross Withdrawals. Reduction in Contract Value. Your Contract Value after taking a withdrawal may be less than the amount required to keep your contract in effect. In this event, your contract and any other riders and endorsements will terminate and the following will occur: . If the Withdrawal Limit is less than $100, we will pay you the greater of the remaining amount or Contract Value in a lump sum. . If the Withdrawal Limit is greater than or equal to $100, we will issue you a supplemental contract. We will continue to pay you the Withdrawal Limit until you have received the greater of the remaining amount or Contract Value as determined on the Valuation Day the supplemental contract was issued. We will make payments monthly unless agreed otherwise. If the monthly amount is less than $100, we will reduce the frequency so that the payment received will be at least $100. Considerations. While the rider is designed to provide the guaranteed withdrawals, this benefit is only guaranteed to the extent you comply with the limits, conditions and restrictions set forth in the contract. When the Rider is Effective Guaranteed Withdrawal Advantage must be elected at application. Guaranteed Withdrawal Advantage is not available for contracts issued on or after May 1, 2007. The rider will remain in effect while the contract is in force and before income payments begin. The rider may not be terminated prior to the Annuity Commencement Date. On the Annuity Commencement Date, the rider, and the benefits you are eligible to receive thereunder, will terminate. Ownership and Change of Ownership We must approve any assignment or sale of this contract unless the assignment is a court ordered assignment. If you marry after issue, you may add your spouse as a joint owner and Joint Annuitant or as a Joint Annuitant only, subject to our approval. Under federal tax law, all contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Civil union partners are not permitted to continue the contract without taking required distributions upon the death of an owner. Therefore, even if named a joint owner/Joint Annuitant, a civil union partner will have to take required distributions upon the death of the other joint owner/Joint Annuitant. See the "Distribution Rules" provision of this prospectus. If this situation applies to you, you should consult a tax adviser. Spousal Continuation If the designated beneficiary is a surviving spouse who elects to continue the contract as the new owner, this rider will continue. Proceeds that were transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund upon the death of the owner will be reallocated to the Investment Strategy, if applicable, and the asset percentages then in effect at the time of the death of the owner. Such reallocations will not be counted as a transfer for the purpose of the number of transfers allowed under the contract in a calendar year. 116 Examples The following examples show how the Guaranteed Minimum Withdrawal Benefit Rider works based on hypothetical values. The examples are for illustrative purposes only and are not intended to depict investment performance of the contract and, therefore, should not be relied upon in making a decision to invest in the rider or contract. The first example assumes: (1) the owner purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) all Contract Value is allocated in accordance with the prescribed Investment Strategy at all times; (4) the contract earns a net return of -2%; and (5) the owner takes withdrawals equal to the Withdrawal Limit (which is $7,000, or 7% of the protected amount) beginning in each Benefit Year until the remaining amount is exhausted.

Withdrawals Contract Value - Taken - Contract Value - Protected Remaining Beginning of Year End of Year End of Year Amount Amount ------------------------------------------------------------------------ $ 100,000 $7,000 $91,000 $ 100,000 $ 93,000 91,000 7,000 82,180 86,000 82,180 7,000 73,536 79,000 73,536 7,000 65,066 72,000 65,066 7,000 56,764 65,000 56,764 7,000 48,629 58,000 48,629 7,000 40,656 51,000 40,656 7,000 32,813 44,000 32,813 7,000 25,127 37,000 25,127 7,000 17,595 30,000 17,595 7,000 10,213 23,000 10,213 7,000 2,978 16,000 2,978 7,000 -- 9,000 -- 7,000 -- 2,000 -- 2,000 -- -- Total Received $100,000 ------------------------------------------------------------------------

117 This next example assumes: (1) the owner purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) all Contract Value is allocated in accordance with the prescribed Investment Strategy at all times; (4) the contract earns a net return of -2%; and (5) the owner takes no withdrawals in the first five Benefit Years and then takes withdrawals equal to the Withdrawal Limit (which is $10,000, or 10% of the protected amount) beginning in the sixth Benefit Year until the remaining amount is exhausted.

Withdrawals Contract Value - Taken - Contract Value - Protected Remaining Beginning of Year End of Year End of Year Amount Amount ------------------------------------------------------------------------ $ 100,000 -- $98,000 $ 100,000 $100,000 98,000 -- 96,040 100,000 96,040 -- 94,119 100,000 94,119 -- 92,237 100,000 92,237 -- 90,392 100,000 90,392 $10,000 78,584 90,000 78,584 10,000 67,013 80,000 67,013 10,000 55,672 70,000 55,672 10,000 44,559 60,000 44,559 10,000 33,638 50,000 33,638 10,000 22,935 40,000 22,935 10,000 12,446 30,000 12,446 10,000 2,167 20,000 2,167 10,000 -- 10,000 -- 10,000 -- -- Total Received $100,000 ------------------------------------------------------------------------

118 Investment Strategy for the Guaranteed Minimum Withdrawal Benefit Rider Options In order to receive the full benefit provided by each of the Guaranteed Minimum Withdrawal Benefit Rider Options, you must invest all purchase payments and allocations in accordance with a prescribed Investment Strategy. Except for Lifetime Income Plus 2008 and Lifetime Income Plus Solution, if you do not allocate all assets in accordance with a prescribed Investment Strategy, your benefit under the rider will be reduced by 50%. Even if your benefit is reduced, you will continue to pay the full amount charged for the rider. Contract owners that own Lifetime Income Plus 2008 or Lifetime Income Plus Solution must always allocate assets in accordance with the Investment Strategy. The Investment Strategy for Guaranteed Withdrawal Advantage, Lifetime Income Plus and Lifetime Income Plus 2007 is discussed in this section. The Investment Strategy for Lifetime Income Plus 2008 is discussed above in the "Lifetime Income Plus 2008" provision of this prospectus. The Investment Strategy for Lifetime Income Plus Solution is discussed above in the "Lifetime Income Plus Solution" provision of this prospectus. Investment Strategies may change from time to time. You may allocate your assets in accordance with your Investment Strategy prescribed at the time the contract was issued, or in accordance with the Investment Strategy in effect at the time you reset your benefit. Therefore, you may have assets allocated to an Investment Strategy that is different than the Investment Strategy described in this prospectus. Your ability to choose different Investment Strategies is limited, as described below. For contracts issued on or after May 1, 2007 and for contract owners who reset their benefit under the rider on or after May 1, 2007, the Investment Strategy includes Designated Subaccounts and Asset Allocation Model C. Under this Investment Strategy, contract owners may allocate assets to either Asset Allocation Model C or to one or more Designated Subaccounts. Contract owners may not allocate assets to Asset Allocation Model C and one or more Designated Subaccounts. For more information about Asset Allocation Model C and the Subaccounts comprising Asset Allocation Model C and the Designated Subaccounts, please see the "Subaccounts" and "Asset Allocation Program" provisions of this prospectus. On a monthly basis, we will rebalance your Contract Value to the Subaccounts in accordance with the percentages that you have chosen to invest in the Designated Subaccounts or in accordance with the allocations that comprise Asset Allocation Model C. In addition, we will also rebalance your Contract Value on any Valuation Day after any transaction involving a withdrawal, receipt of a purchase payment or a transfer of Contract Value, unless you instruct us otherwise. Shares of a Portfolio may become unavailable under the contract for new purchase payments, transfers and asset rebalancing. As a result, shares of a Portfolio may also become unavailable under your Investment Strategy. Investment Strategies may be modified to respond to such events by removing unavailable Portfolios and adding new Portfolios as appropriate. Because such changes may affect your allocation instructions, you will need to provide updated allocation instructions to comply with the modified Investment Strategy. If you do not provide updated allocation instructions, any subsequent purchase payments or transfers requesting payment to an unavailable Portfolio will be considered not in good order. Periodic rebalancing to unavailable Portfolios will cease and any imbalances in percentages due to lack of asset rebalancing will not cause a reduction in your benefit. If you request a transfer or send a subsequent purchase payment with allocation instructions to a Portfolio that is not part of the prescribed Investment Strategy, we will honor your instructions. Please be aware, however, that your total Contract Value will not be invested in accordance with the prescribed Investment Strategy and the guaranteed amount available for withdrawal will be reduced by 50%, resulting in a reduction in your benefit. You may reset your benefit on the next available reset date as described in the "Restoration or Reset of the Benefit" provision for the applicable Guaranteed Minimum Withdrawal Benefit Rider Option. The current Investment Strategy is as follows: (1) owners may allocate assets to the following Designated Subaccounts: AB Variable Products Series Fund, Inc. -- AB Balanced Wealth Strategy Portfolio -- Class B; AIM Variable Insurance Funds (Invesco Variable Insurance Funds) -- Invesco V.I. Conservative Balanced Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares); AIM Variable Insurance Funds (Invesco Variable Insurance Funds) - Invesco V.I. Equity and Income Fund -- Series II shares; BlackRock Variable Series Funds, Inc. -- BlackRock Global Allocation V.I. Fund -- Class III Shares; Fidelity Variable Insurance Products Fund -- Balanced Portfolio -- Service Class 2; 119 Janus Aspen Series -- Janus Henderson Balanced Portfolio -- Service Shares; MFS(R) Variable Insurance Trust -- MFS(R) Total Return Series -- Service Class Shares; and/or State Street Variable Insurance Series Funds, Inc. -- Total Return V.I.S. Fund -- Class 3 Shares; OR (2) owners may allocate assets to Asset Allocation Model C. Annuity Cross Funding Program The Annuity Cross Funding Program is not available to contracts issued on or after August 17, 2004. This section of the prospectus describes a program that may permit you (if you are eligible) to purchase this contract and use it to make payments to a Scheduled Purchase Payment Variable Deferred Annuity issued by Genworth Life and Annuity Insurance Company. We refer to the program as the "Annuity Cross Funding Program" because you systematically withdraw amounts from this annuity contract (referred to as the "Funding Annuity") to make payments to the Scheduled Purchase Payment Variable Deferred Annuity Contract. What is the Annuity Cross Funding Program? Subject to our prior approval, you may arrange to take Systematic Withdrawals and immediately allocate that withdrawal to the Scheduled Purchase Payment Variable Deferred Annuity Contract issued by us. We will not assess surrender charges on withdrawals that are allocated to the Scheduled Purchase Payment Variable Deferred Annuity as part of the Annuity Cross Funding Program, however, such withdrawals will reduce proportionally any death benefit available. See the "Death Benefit" provision. Systematic Withdrawals that are used in conjunction with the Annuity Cross Funding Program do not count toward the limit that you may withdraw in any contract year pursuant to your free withdrawal privilege. How does the Annuity Cross Funding Program work? To participate in the Annuity Cross Funding Program, you must satisfy certain eligibility requirements and receive our prior approval. This contract, as the Funding Annuity, must be issued on the same date as the Scheduled Purchase Payment Variable Deferred Annuity and have the same Annuity Commencement Date. There is no charge for participating in the Annuity Cross Funding Program. The Annuity Cross Funding Program will terminate automatically when the Systematic Withdrawals from this Funding Annuity cause the Contract Value in this Funding Annuity to be less than $100. You may discontinue the Annuity Cross Funding Program at any time by notifying us in writing at our Home Office. Discontinuing the Annuity Cross Funding Program could cause you to lose your guarantee under the Scheduled Purchase Payment Variable Deferred Annuity if the scheduled purchase payments are not completed under the terms of that contract. Once you discontinue participation in the Annuity Cross Funding Program, you may not reinstate it. The actual performance of this Funding Annuity may directly affect the amount of purchase payments that must be allocated to this Funding Annuity in order to make all required Scheduled Installments for the Scheduled Purchase Payment Variable Deferred Annuity Contract. If the Subaccounts of the Funding Annuity in which you have allocated assets do not perform as anticipated, it may be necessary to make additional purchase payments to either this Funding Annuity or to the Scheduled Purchase Payment Variable Deferred Annuity so that you do not lose your right to Guaranteed Minimum Income Payments under the Scheduled Purchase Payment Variable Deferred Annuity Contract. The Scheduled Purchase Payment Variable Deferred Annuity is offered by a separate prospectus. Only variable annuity contracts issued by us, or one of our affiliated companies, and offered for use in an approved Annuity Cross Funding Program could be purchased as a Funding Annuity. The Scheduled Purchase Payment Variable Deferred Annuity Contract is not offered by this prospectus. The Scheduled Purchase Payment Variable Deferred Annuity Contract is offered only by the current prospectus for the Scheduled Purchase Payment Variable Deferred Annuity Contract. Annuity Cross Funding Program -- tax treatment of the annuity contracts. Under an Annuity Cross Funding Program we will treat transfers from this Funding Annuity to the Scheduled Purchase Payment Variable Deferred Annuity contract as non-taxable transfers within a single annuity contract for federal tax purposes only if this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity each satisfy certain requirements upon issue. Our ability to continue to treat transfers from this Funding Annuity to the Scheduled Purchase Payment Variable Deferred Annuity as non-taxable transfers within a single annuity contract for federal tax purposes may be adversely affected if certain changes are made to either contract after issue. Changing the Annuity Commencement Date for this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity once a Cross Funding Program has begun may have adverse tax consequences, and you should consult a tax adviser before making any such change. In addition, changing the Annuity Commencement Date on this Funding Annuity may cause you to lose your rights to guaranteed minimum income payments under the terms of the Scheduled Purchase Payment Variable Deferred Annuity contract. 120 Both contracts must have the same owner, joint owner if any, Annuitant, and Joint Annuitant, if any. The beneficiaries need not be the same. Changing any owner, any Annuitant, or beneficiary may have adverse tax consequences. You should consult a tax adviser before making such a change. This contract permits you for a limited period to return it for a refund as described under the "Return Privilege" section of this prospectus. The Scheduled Purchase Payment Variable Deferred Annuity we offer may also provide a return privilege. You may choose to return either this Funding Annuity, the Scheduled Purchase Payment Variable Deferred Annuity, or both contracts in accordance with the applicable return privilege. Returning either this Funding Annuity or the Scheduled Purchase Payment Variable Deferred Annuity in accordance with the applicable return privilege without also returning the other contact may result in adverse tax consequences and you should consult a tax adviser before returning only one contract. Transfers from the Scheduled Purchase Payment Variable Deferred Annuity to the Funding Annuity are not permitted. While surrender charges applicable to this Funding Annuity may decline over certain periods, amounts transferred from this Funding Annuity to the Scheduled Purchase Payment Variable Deferred Annuity may be subject to surrender charges and/or a market value adjustment (which may be positive or negative) upon a partial withdrawal or surrender from the Scheduled Purchase Payment Variable Deferred Annuity. The surrender charge applicable to amounts transferred to the Scheduled Purchase Payment Variable Deferred Annuity may be higher than those applicable to such amounts had they remained invested in this Funding Annuity; market value adjustments applicable to amounts transferred to the Scheduled Purchase Payment Variable Deferred Annuity would not have been applicable to such amounts had they remained invested in this Funding Annuity. If you request a partial withdrawal or surrender while participating in an Annuity Cross Funding Program, you must designate whether the partial withdrawal or surrender is to be made from this Funding Annuity or the Scheduled Purchase Payment Variable Deferred Annuity. Surrender charges and any other applicable charges will be assessed according to the provisions of the contract from which the partial withdrawal or surrender is made and as disclosed in the prospectus for that contract. You should be aware that the tax treatment of partial withdrawals or surrenders from either this Funding Annuity or the Scheduled Purchase Payment Variable Deferred Annuity Contract will be affected by partial withdrawals or surrenders as well as gains or losses with respect to the other contract. You should consult a tax adviser before requesting partial withdrawals or surrenders from this Funding Annuity or the Scheduled Purchase Payment Variable Deferred Annuity while participating in an Annuity Cross Funding Program. Death benefits will be calculated and paid separately in accordance with the provisions of this Funding Annuity or the Scheduled Purchase Payment Variable Deferred Annuity as the case may be, and as disclosed in the prospectus for the respective contract. Income payments will be calculated and paid according to the provisions of this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity (including the respective annuity tables of such contracts) and the provisions of the respective prospectuses for and administrative procedures applicable to each such contract. However, this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity Contract will be aggregated and treated as one contract for purposes of the tax treatment of such annuity payments. You should consult a tax adviser before requesting annuity payments to start under this Funding Annuity and/or the Scheduled Purchase Payment Variable Deferred Annuity Contract and before commuting any income payments before the payment date for such payment. This discussion of the Annuity Cross Funding Program does not attempt to address the tax and other treatment of every transaction that could be effected under this Funding Annuity or the Scheduled Purchase Payment Variable Deferred Annuity Contract in connection with an Annuity Cross Funding Program. You should consult a tax adviser before you purchase this contract and/or the Scheduled Purchase Payment Variable Deferred Annuity Contract in connection with an Annuity Cross Funding Program. DEATH OF OWNER AND/OR ANNUITANT Distribution Provisions Upon Death of Owner or Joint Owner In certain circumstances, federal tax law requires that distributions be made under this contract upon an individual's death. Except as described below in the "Distribution Rules" provision, a distribution is required upon the death of: (1) an owner or joint owner; or (2) the Annuitant or Joint Annuitant, if any owner or joint owner is a non-natural entity. The amount of proceeds payable upon the death of an owner or joint owner (or the Annuitant or Joint Annuitant if an owner or 121 joint owner is a non-natural entity) and the methods available for distributing such proceeds are also described in the provision below. If any owner or joint owner (who is not also an Annuitant or Joint Annuitant) dies prior to the Annuity Commencement Date, the amount of proceeds payable will be the Contract Value as of the first Valuation Day we have receipt of the request for surrender or choice of applicable payment option, due proof of death and any required forms at our Home Office. Death Benefit at Death of Any Annuitant Before Annuity Commencement Date If any Annuitant dies before income payments begin, regardless of whether the Annuitant is also an owner or joint owner, the amount of proceeds payable is the death benefit. Upon receipt at our Home Office of due proof of an Annuitant's death and all required forms (generally, due proof of death is a certified copy of the death certificate or a certified copy of the decree of a court of competent jurisdiction as to the finding of death), a death benefit will be paid in accordance with your instructions, subject to distribution rules and termination of contract provisions discussed in the contract and elsewhere in this prospectus. The death benefit choices we offer are: (1) the Basic Death Benefit; (2) the Annual Step-Up Death Benefit Rider Option; (3) the 5% Rollup Death Benefit Rider Option; (4) the Earnings Protector Death Benefit Rider Option; and (5) the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option. We automatically provide the Basic Death Benefit to you. The death benefit rider options are available to you for an additional charge and must be elected at the time of application. The 5% Rollup Death Benefit Rider Option and the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option are not available for contracts issued on or after September 2, 2003 as a Funding Annuity under the Annuity Cross Funding Program. The Annual Step-Up Death Benefit Rider may be elected with Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 or Lifetime Income Plus Solution at the time of application. None of the other death benefit rider options are available with Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 or Lifetime Income Plus Solution. You may elect the Earnings Protector Death Benefit Rider with either the Annual Step-Up Death Benefit Rider or the 5% Rollup Death Benefit Rider. You may not, however, elect the Annual Step-Up Death Benefit Rider and the 5% Rollup Death Benefit Rider together or in any combination. The Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider may not be elected with any other death benefit rider. The death benefit varies based on: (1) the Annuitant's age on the date the contract is issued; (2) the Annuitant's age on the date of his or her death; (3) the number of contract years that elapse from the date the contract is issued until the date of the Annuitant's death; and (4) whether any premium taxes are due at the time the death benefit is paid. Basic Death Benefit The Basic Death Benefit available for all contracts issued is equal to the greater of: (a) purchase payments adjusted for any partial withdrawals and any applicable premium tax, calculated as of the Valuation Day we receive due proof of death and all required forms; and (b) the Contract Value on the Valuation Day we receive due proof of death and all required forms. Partial withdrawals (including any partial withdrawals immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program, as well as any partial withdrawals taken pursuant to the terms of a Guaranteed Minimum Withdrawal Benefit Rider Option) reduce the death benefit proportionally by the same percentage that the partial withdrawal (including any applicable surrender charges and any premium tax assessed) reduces the Contract Value. Please see Appendix A for an example of the Basic Death Benefit calculation. Annual Step-Up Death Benefit Rider Option The Annual Step-Up Death Benefit Rider adds an extra feature to the Basic Death Benefit. Under the Annual Step-Up Death Benefit Rider, the amount of death benefit proceeds we will pay upon receipt of due proof of death of any Annuitant and all required forms at our Home Office will be the greater of: . the Basic Death Benefit; and . the Annual Step-Up Death Benefit Rider Option described below. 122 The following is the Annual Step-Up Death Benefit if all Annuitant(s) are age 80 or younger on the date the contract is issued: The Annual Step-Up Death Benefit on the Contract Date is the initial purchase payment. The Annual Step-Up Death Benefit will be reset on each contract anniversary, up to and including the later of the fifth contract anniversary and the contract anniversary next following or coincident with the 80th birthday of the older Annuitant and on the Valuation Day that we receive due proof of death and all required forms at our Home Office. At each reset date, the Annual Step-Up Death Benefit equals the greater of (a) and (b) where: (a) is the Contract Value; and (b) is the Annual Step-Up Death Benefit on the last reset date, plus purchase payments made since the last reset date, adjusted for any partial withdrawals taken and premium tax paid since the last reset date. Partial withdrawals (including partial withdrawals immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program, as well as any partial withdrawals taken pursuant to the terms of a Guaranteed Minimum Withdrawal Benefit Rider Option) reduce the Annual Step-Up Death Benefit proportionally by the same percentage that the partial withdrawal (including any applicable surrender charges and premium tax assessed) reduces the Contract Value. The following is the Annual Step-Up Death Benefit if any Annuitant is older than age 80 on the date the contract is issued: The Annual Step-Up Death Benefit on the Contract Date is the initial purchase payment. The Annual Step-Up Death Benefit will be reset on each contract anniversary, up to and including the contract anniversary next following or coincident with the 85th birthday of the older Annuitant and on the Valuation Day that we receive due proof of death and all required forms at our Home Office. At each reset date, the Annual Step-Up Death Benefit equals the greater of (a) and (b) where: (a) is the Contract Value; and (b) is the Annual Step-Up Death Benefit on the last reset date, plus purchase payments made since the last reset date, adjusted for any partial withdrawals taken and premium tax paid since the last reset date. Partial withdrawals (including any partial withdrawals immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program, as well as any partial withdrawals taken pursuant to the terms of a Guaranteed Minimum Withdrawal Benefit Rider Option) reduce the Annual Step-Up Death Benefit proportionally by the same percentage that the partial withdrawal (including any applicable surrender charges and any applicable premium tax assessed) reduces the Contract Value. You may only elect the Annual Step-Up Death Benefit Rider Option at the time of application. Once elected, it may not be terminated and it will remain in effect while this contract is in force until income payments begin. On the Annuity Commencement Date, this rider and its corresponding charge will terminate. The Annual Step-Up Death Benefit Rider Option may not be available in all states or in all markets. We charge an additional amount for this benefit. This charge will not exceed an annual rate of 0.20% of your Contract Value at the time of the deduction. See the "Fee Tables" provision of this prospectus for additional information. Please refer to Appendix A for an example of the calculation of the Annual Step-Up Death Benefit Rider Option. 5% Rollup Death Benefit Rider Option The 5% Rollup Death Benefit Rider adds an extra feature to the Basic Death Benefit. Under the 5% Rollup Death Benefit Rider, the amount of death benefit proceeds we will pay upon receipt of due proof of death of any Annuitant and all required forms at our Home Office will be the greater of: . the Basic Death Benefit; and . the 5% Rollup Death Benefit Rider Option described below. The 5% Rollup Death Benefit Rider Option is available only to contracts where all Annuitants are age 75 or younger on the date the contract is issued. The 5% Rollup Death Benefit on the Contract Date is the initial purchase payment. At the end of each Valuation Period after the Contract Date, the 5% Rollup Death Benefit is equal to the lesser of (a) and (b) where: (a) is 200% of purchase payments; and (b) is the Rollup Death Benefit at the end of the last Valuation Period increased by a daily interest factor, equivalent to a 5% annual effective interest rate, plus purchase payments made during the current Valuation Period and adjusted for any partial withdrawals taken and premium taxes paid during the current Valuation Period. 123 Partial withdrawals each contract year (including any partial withdrawals immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program), up to 5% of purchase payments, calculated at the time of the partial withdrawal, reduce the 5% Rollup Death Benefit by the same amount that the partial withdrawal, including any surrender charges and premium taxes paid, reduces the Contract Value. If partial withdrawals greater than 5% of purchase payments are taken in any contract year (including any partial withdrawals immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program), the 5% Rollup Death Benefit is reduced proportionally for that partial withdrawal and all future partial withdrawals by the same percentage that the partial withdrawal, including any surrender charges and premium tax paid, reduces the Contract Value. Timing of partial withdrawals may have unintended consequences to your 5% Rollup Death Benefit. This benefit increases daily at a compounded rate of 5%. Because of this, any partial withdrawals in a contract year that exceed the accumulated rollup interest, up to an amount equal to 5% of purchase payments, will reduce the death benefit amount below the value at the start of that contract year. You may only elect the 5% Rollup Death Benefit Rider Option at the time of application. Once elected, it may not be terminated and it will remain in effect while this contract is in force until income payments begin. On the Annuity Commencement Date, this rider and its corresponding charge will terminate. The 5% Rollup Death Benefit Rider Option may not be available in all states or in all markets. In addition, the 5% Rollup Death Benefit Rider Option is not available for contracts issued on or after September 2, 2003 as a Funding Annuity under the Annuity Cross Funding Program. We charge an additional amount for this benefit. This charge will not exceed an annual rate of 0.30% of your Contract Value at the time of the deduction. See the "Fee Tables" provision of this prospectus for additional information. Please refer to Appendix A for an example of the calculation of the 5% Rollup Death Benefit Rider Option. Earnings Protector Death Benefit Rider Option The Earnings Protector Death Benefit Rider adds an extra feature to your death benefit. The Earnings Protector Death Benefit Rider is available only to contracts where all Annuitants are age 75 or younger on the date the contract is issued. The following is the Earnings Protector Death Benefit if all Annuitant(s) are age 70 or younger on the date the contract is issued: The Earnings Protector Death Benefit is equal to 40% of earnings which are defined as (a) minus (b) where: (a) is the Contract Value as of the first Valuation Day we have receipt of due proof of death and all required forms at our Home Office; and (b) is the sum of all purchase payments paid and not previously withdrawn. The Earnings Protector Death Benefit cannot exceed 70% of purchase payments adjusted for partial withdrawals (including any partial withdrawals immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program, as well as partial withdrawals taken pursuant to the terms of Guaranteed Withdrawal Advantage). Purchase payments, other than the initial purchase payment, paid within 12 months of the date of the Annuitant's death (or Joint Annuitant's death, if applicable), are not included in this calculation. The Earnings Protector Death Benefit will never be less than zero. The following is the Earnings Protector Death Benefit if any Annuitant is older than age 70 on the date the contract is issued: The Earnings Protector Death Benefit is equal to 25% of earnings which are defined as (a) minus (b) where: (a) is the Contract Value as of the first Valuation Day we have receipt of due proof of death and all required forms at our Home Office; and (b) is the sum of all purchase payments paid and not previously withdrawn. The Earnings Protector Death Benefit cannot exceed 40% of purchase payments paid as adjusted for partial withdrawals (including any partial withdrawals immediately allocated to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program, as well as partial withdrawals taken pursuant to the terms of Guaranteed Withdrawal Advantage). Purchase payments, other than the initial purchase payment, paid within 12 months of the date of the Annuitant's death (or Joint Annuitant's death, if applicable), are not included in this calculation. The Earnings Protector Death Benefit will never be less than zero. Under both age scenarios listed above, partial withdrawals (including partial withdrawals immediately allocated to a Scheduled Purchase Payment Deferred Variable Annuity through an approved Annuity Cross Funding Program, as well 124 as partial withdrawals taken pursuant to the terms of Guaranteed Withdrawal Advantage) are taken first from gain and then from purchase payments made. For purposes of this rider, gain is calculated as (a) plus (b) minus (c) minus (d), but not less than zero, where: (a) is the Contract Value on the Valuation Day we receive your partial withdrawal or surrender request; (b) is the total of any partial withdrawals, excluding any surrender charges; (c) is the total of purchase payments paid; and (d) is the total of any gain previously withdrawn. You may only elect the Earnings Protector Death Benefit Rider Option at the time of application. Once elected, it may not be terminated and it will remain in effect while the contract is in force until income payments begin. On the Annuity Commencement Date, this rider and its corresponding charge will terminate. The Earnings Protector Death Benefit Rider Option may not be available in all states or in all markets. We charge an additional amount for this benefit. This charge will not exceed an annual rate of 0.30% of your Contract Value at the time of the deduction. See the "Fee Tables" provision of this prospectus for additional information. Please refer to Appendix A for an example of the calculation of the Earnings Protector Death Benefit Rider Option. There are important things you should consider before you purchase the Earnings Protector Death Benefit Rider Option. These include: . The Earnings Protector Death Benefit Rider Option does not guarantee that any amounts under the benefit will become payable at death. Market declines resulting in your Contract Value being less than your purchase payments paid and not previously withdrawn may result in no additional amount being payable. . Once you elect the Earnings Protector Death Benefit Rider Option, you cannot terminate it. This means that regardless of any changes in your circumstances, we will continue to assess a charge for the Earnings Protector Death Benefit Rider Option. . Please take advantage of the guidance of a qualified financial adviser in evaluating the Earnings Protector Death Benefit Rider Option, as well as the other aspects of the contracts. The Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option The Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option combines the Greater of the Annual Step-Up and 5% Rollup Death Benefit Rider Option plus the Earnings Protector Death Benefit Rider Option. Under this rider option, the amount of death benefit proceeds we will pay upon receipt of due proof of death of any Annuitant and all required forms at our Home Office will be the greatest of: . the Basic Death Benefit; . the Annual Step-Up Death Benefit Rider Option described above; and . the 5% Rollup Death Benefit Rider Option described above; plus . the Earnings Protector Death Benefit Rider Option described above. You may only elect the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option at the time of application. Once elected, it may not be terminated and it will remain in effect while this contract is in force until income payments begin. On the Annuity Commencement Date, this rider and its corresponding charge will terminate. The Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option may not be available in all states or in all markets. In addition, the Earnings Protector and Greater of Annual Step-Up and 5% Rollup Death Benefit Rider Option is not available for contracts issued on or after September 2, 2003 as a Funding Annuity under the Annuity Cross Funding Program. We charge an additional amount for this benefit. This charge will not exceed an annual rate of 0.70% of your Contract Value at the time of the deduction. See the "Fee Tables" provision of this prospectus for additional information. Termination of Death Benefit Rider Options When Contract Assigned or Sold Your death benefit rider options will terminate in the event that you assign your contract, unless your contract is assigned pursuant to a court order. How to Claim Proceeds and/or Death Benefit Payments At the death of: (1) an owner or joint owner; or 125 (2) the Annuitant or Joint Annuitant (if any owner or joint owner is a non-natural entity); the person or entity first listed below who is alive or in existence on the date of that death will become the designated beneficiary: (1) owner or joint owner; (2) primary beneficiary; (3) contingent beneficiary; (4) owner's or joint owner's estate. The designated beneficiary will be treated thereafter as the sole owner of the contract. The designated beneficiary may choose one of the payment choices described below, or a default payment choice will apply if no such election is made. For purposes of this provision, if there is more than one primary beneficiary named, each one will be treated separately with respect to their portion of the contract. Thus, in cases where there are multiple designated beneficiaries, once all required information is received, each designated beneficiary will be allocated their share of the proceeds in accordance with the terms of the contract and as specified by the owner. Then, each designated beneficiary may elect one of the payment choices below or have the default payment choice apply. If there is no primary beneficiary(ies) alive or in existence at the time of the death, all proceeds will be then payable to any named contingent beneficiary(ies). We should be notified immediately by telephone upon the death of an owner, joint owner, Annuitant or Joint Annuitant. We have the right to request that all notifications of death be immediately followed by written notification. Upon notification, no additional purchase payments will be accepted (unless the designated beneficiary is the spouse of the deceased and that spousal designated beneficiary has elected to continue the contract). Upon such notification of death, we will transfer all assets in the Separate Account to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund until receipt of due proof of death and any required forms. Due proof of death consists of a death certificate issued by a government jurisdiction or a court of law. Any required forms can consist of information necessary in order to pay any named designated beneficiary(ies) and any other information necessary to process applicable proceeds. In cases where there are multiple designated beneficiaries, once all required information is received, each designated beneficiary will be allocated their share of the proceeds in accordance with the terms of the contract and as specified by the owner. At such time, once allocated their share of the proceeds, each designated beneficiary may elect to: (1) receive the proceeds in a lump sum; (2) receive the proceeds over a period of five years following the date of death. At the end of the five year period, any remaining amounts will be distributed in a lump sum (if the designated beneficiary dies before all payments have been distributed, the remaining proceeds will be paid to the person or entity named or by the designated beneficiary or his or her estate if no person or entity is named); (3) elect Optional Payment Plan 1 or 2 as described in the "Optional Payment Plans" provision of this prospectus. If elected, payments must commence no later than one year after the date of death. In addition, if Optional Payment Plan 1 is chosen, the period certain cannot exceed the designated beneficiary's life expectancy, and if Optional Payment Plan 2 is chosen, the fixed period cannot exceed the designated beneficiary's life expectancy; (4) elect a "stretch" payment choice, as described in the "Stretch Payment Choices" provision below; (5) if the designated beneficiary is the spouse of a deceased owner, he or she may continue the contract as stated in the "Distribution Rules" provision. (6) if the designated beneficiary is an owner or joint owner who is a natural person, he or she may continue the contract as stated in the "Distribution Rules" provision. If a designated beneficiary makes no election within 60 days following receipt of due proof of death and all required forms at our Home Office, proceeds will be paid over a period of five years following the date of death. If your contract is a Qualified Contract, not all elections will satisfy required minimum distribution rules. Note that effective for owners who die on or after January 1, 2020, subject to certain exceptions, most non-spouse designated beneficiaries must now complete death benefit distributions within ten years of the owner's death in order to satisfy required minimum distribution rules. Consult a tax adviser before making an election. Stretch Payment Choices The following payment choice is available to designated beneficiaries of Non-Qualified Contracts: A designated beneficiary of a Non-Qualified Contract may apply the death proceeds of the contract to provide for an annual payment equal to the Minimum Annual Income, described below, for the life expectancy of the designated beneficiary. The 126 first income payment must be made no later than 350 days after the original owner's date of death. The income payment period must be a period not exceeding the designated beneficiary's life expectancy. Payments will continue annually on the distribution date until the death of the designated beneficiary or the Contract Value is reduced to $0. Upon death of the designated beneficiary, the person or entity named by the designated beneficiary or, if no one is named, the designated beneficiary's estate may receive the remaining Contract Value. The recipient may take the Contract Value as a lump sum or continue to receive the annual payment on the distribution date equal to the Minimum Annual Income, or until the Contract Value is reduced to $0. The Minimum Annual Income is the amount withdrawn each year to satisfy Section 72(s)(2)(B) of the Code. The Minimum Annual Income will be re-determined each year for the designated beneficiary's life expectancy using the Single Life Table in Section 1.401(a)(9)-9 A-1 of the Income Tax Regulations, as amended. After death, the Minimum Annual Income is calculated using the designated beneficiary's remaining life expectancy. We may offer alternative calculations of Minimum Annual Income based on amortization or annuitization calculations methods described in guidance published by the Internal Revenue Service. Special rules for this payment choice only: . This payment choice cannot be selected if the Minimum Annual Income would be less than $100. . The designated beneficiary must elect a distribution date on which payments will be made. The first distribution date must be no later than 350 days after the owner's date of death. . Amounts paid to satisfy the Minimum Annual Income will not be subject to surrender charges. Surrender charges will apply to amounts withdrawn above the Minimum Annual Income. . Optional living benefit and death benefit riders are not available with this payment choice. . Additional purchase payments may not be added with this payment choice. Under this payment choice, the contract will terminate upon payment of the entire Contract Value. The following payment choice is available to designated beneficiaries of Qualified Contracts or any beneficiary receiving death proceeds from any other individual retirement plan: An inherited owner may apply death proceeds to provide for an annual payment equal to the Minimum Annual Income, described below. For purposes of this provision, an inherited owner is any designated beneficiary receiving death proceeds from a Qualified Contract or any beneficiary receiving death proceeds from any other individual retirement plan. A surviving spouse may elect to be treated as an inherited owner in lieu of exercising spousal continuation. The inherited owner will be named the Annuitant at election of the payment choice. Payments under this payment choice will continue annually on the distribution date selected by the inherited owner, subject to the special rules stated below, until the death of the inherited owner or the Contract Value is reduced to $0. Upon death of the inherited owner, the person or entity named by the inherited owner or, if no one is named, the inherited owner's estate may receive the remaining Contract Value. The recipient may take the Contract Value as a lump sum or continue to receive the annual payment on the distribution date equal to the Minimum Annual Income until the Contract Value is reduced to $0. The Minimum Annual Income is the amount withdrawn each year to satisfy Section 408(b)(3) of the Code. The Minimum Annual Income will be based on the applicable distribution period for required minimum distributions after death, as provided in Section 1.401(a)(9)-5 A-5 of the Income Tax Regulations. Special rules for this payment choice only: . This payment choice cannot be selected if the Minimum Annual Income would be less than $100. . The inherited owner must elect a distribution date on which payments will be made. If the inherited owner is the surviving spouse of the original IRA owner within the meaning of Section 401(a)(9)(B)(iv) of the Code, then the first distribution date elected must be the later of either: (i) December 15th of the year in which the deceased would have been age 70 1/2 or (ii) December 15th of the year following the original IRA owner's death. If the inherited owner is not the surviving spouse of the original IRA owner, then the first distribution date elected must be within 350 days from the date of death. If the surviving spouse dies before the first distribution date, the first distribution date under this rider will be determined by treating death of the surviving spouse as death of the original IRA owner and the surviving spouse's designated beneficiary as the inherited owner. . Amounts paid to satisfy the Minimum Annual Income will not be subject to surrender charges. Surrender charges will apply to amounts withdrawn above the Minimum Annual Income. 127 . Optional living benefit and death benefit riders are not available with this payment choice. . Additional purchase payments may not be added with this payment choice This payment choice will not satisfy required minimum distribution rules for designated beneficiaries other than "eligible designated beneficiaries" as defined in Section 401(a)(9)(H) of the Code. Consult a tax adviser before making this payment choice. Under this payment choice, the contract will terminate upon payment of the entire Contract Value. Spendthrift Provision. An owner may, by providing written notice to our Home Office in a manner acceptable to the Company, choose the method of payment of death proceeds under the contract by selecting any payment choice, including any Optional Payment Plan, that a designated beneficiary may have chosen. A designated beneficiary (other than the surviving spouse) cannot change the payment choice that the owner has selected. The owner may also specify at the time of electing an income payment option that any payments remaining to be made at the owner's death cannot be commuted or assigned. While living, the owner may revoke any such limitations on the rights of the designated beneficiary by providing written notice of such revocation to our Home Office in a manner acceptable to the Company. If the payment choice selected by the owner does not apply to a designated beneficiary, the limitations imposed by this paragraph shall not apply to such designated beneficiary. For example, a payment choice based on an individual's life does not apply to the owner's estate and the estate would be free to make its own payment choice as designated beneficiary after the owner's death. Distribution Rules When Death Occurs Before the Annuity Commencement Date The distribution rules below apply to Non-Qualified Contracts that are generally treated as annuity contracts under the Code. These rules also apply where federal tax law does not provide alternative distribution rules. These rules do not apply to Qualified Contracts and, if alternative distribution rules apply, contracts that do not qualify as annuity contracts under federal tax law, and may not apply to contracts held by certain entities. For Qualified Contracts, the required minimum distribution provisions of the Code apply. The required minimum distribution rules are generally specified in the endorsement, plan document, or other writing establishing the plan or individual retirement arrangement. Note that effective for owners who die on or after January 1, 2020, subject to certain exceptions, most non-spouse designated beneficiaries must now complete death benefit distributions within ten years of the owner's death in order to satisfy required minimum distribution rules. See the "Tax Matters" provision of this prospectus. If the sole designated beneficiary is the surviving spouse of the deceased owner, the surviving spouse may elect to continue the contract with the surviving spouse as the owner. If the deceased owner was also an Annuitant or Joint Annuitant, the surviving spouse will automatically become the new sole Annuitant. As the new named owner and Annuitant, the surviving spouse may exercise all rights as stated in the contract. Any other surviving Joint Annuitant will be removed from the contract. Should the surviving spouse remarry, the new spouse may not exercise this provision at the death of the surviving spouse. If the surviving spouse is one of multiple designated beneficiaries, the surviving spouse may only continue the contract with the proportion allocated to him or her by the owner as stated on the application or later in writing in a form acceptable to us. If the designated beneficiary(ies) is not the surviving spouse of the deceased, the designated beneficiary(ies) may not continue the contract indefinitely. If payment choice 1 or 2 is elected, the proceeds from the contract must be distributed within five years of the date of death. If payment choice 3 is elected (within 60 days following receipt of due proof of death and all required forms at our Home Office), payments will begin within one year of the date of the deceased owner's death and extend over the designated beneficiary's life or a period not longer than the designated beneficiary's life expectancy. If the designated beneficiary is an owner or joint owner, the owner (if the owner is a natural person) may continue the contract. Contract Value for the continued contract will be equal to the death benefit proceeds. If there is no Joint Annuitant, the Owner will become the new sole Annuitant. If there is a Joint Annuitant, the Joint Annuitant will become the sole Annuitant. The owner may exercise all rights as stated in the contract before an Annuitant's death. When Death Occurs On or After the Annuity Commencement Date On or after the Annuity Commencement Date, if an owner, joint owner, Annuitant, or designated beneficiary dies while the contract is in force, payments that are already being made under the contract will be made at least as rapidly as under the method of distribution in effect at the time of such death, notwithstanding any other provision of the contract. This means that unless accelerated in accordance with contract terms, income payments will continue to the beneficiary under the distribution method in effect at the applicable death. 128 INCOME PAYMENTS Income Payments and the Annuity Commencement Date The Annuity Commencement Date is the date income payments begin under the contract, provided the Annuitant is still living on that date. (If Guaranteed Income Advantage or Principal Protection Advantage is elected, income payments may begin on a different date under the terms of the rider. See the "Guaranteed Income Advantage" and "Principal Protection Advantage" provisions in this section.) The Annuity Commencement Date must be a date at least thirteen months from the date the contract is issued, unless you have elected Payment Optimizer Plus. If you have elected Payment Optimizer Plus, you may elect to receive income payments within the first year of the contract. The owner selects the contract's initial Annuity Commencement Date at issue. Thereafter, until income payments begin, the owner may elect to extend the Annuity Commencement Date in one-year increments, so long as the new Annuity Commencement Date is not a date beyond the latest permitted Annuity Commencement Date. The latest Annuity Commencement Date we currently permit may not be a date beyond the younger Annuitant's 90th birthday, unless we consent to a later date. We reserve the right to discontinue to allow the deferral of the Annuity Commencement Date at any time and without prior notice. Any consent for a new Annuity Commencement Date will be provided on a non-discriminatory basis. An owner may request to change the Annuity Commencement Date by sending written notice to our Home Office prior to the Annuity Commencement Date then in effect. If you change the Annuity Commencement Date, the Annuity Commencement Date will mean the new Annuity Commencement Date selected, provided such Annuity Commencement Date is not a date beyond the latest permitted Annuity Commencement Date. If income payments have not commenced upon reaching the latest permitted Annuity Commencement Date, we will begin making payments to the named payee. In this circumstance: (i) if Guaranteed Withdrawal Advantage applies, income payments will be made in the form of Life Income with a 10 Year Period Certain; (ii) if Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 or Lifetime Income Plus Solution applies, income payments will be made pursuant to Optional Payment Plan 6, Fixed Income for Life; (iii) if Guaranteed Income Advantage applies, income payments will be made in the form of Life Income with a 10 Year Period Certain; or (iv) if one of the Payment Protection Rider Options applies, income payments will be made in the form of a Life Income. If, however, at the latest permitted Annuity Commencement Date these riders do not apply, income payments will be made in the form of a Life Income with a 10 Year Period Certain. An Annuity Commencement Date that occurs or is scheduled to occur at an advanced age (e.g., past age 85) may, in certain circumstances, have adverse income tax consequences. See the "Tax Matters" provision of this prospectus. Contracts issued to qualified retirement plans provide for income payments to start on the date and under the option specified by the plan. We will pay a monthly income benefit to the owner beginning on the Annuity Commencement Date provided the Annuitant(s) is still living. Unless you have elected one of the Payment Protection Rider Options, we will pay the monthly income benefit in the form of a Life Income with 10 Years Certain plan or a Joint Life and Survivor Income with 10 Years Certain plan, both with variable income payments, using the gender (where appropriate) and settlement age of the Annuitant instead of the payee, unless you make another election as described below. Payments made pursuant to one of these plans are not redeemable. If you elected one of the Payment Protection Rider Options, we will pay monthly income over the life of the Annuitant(s). As described in your contract, the settlement age may be less than the Annuitant's age. This means that payments may be lower than they would have been without the adjustment. You may also choose to receive the the Surrender Value of your contract on the date immediately preceding the Annuity Commencement Date in a lump sum, in which case, we will cancel the contract. See the "Requesting Payments" provision of this prospectus. Payments will continue for the life of the Annuitant under the Life Income with 10 Years Certain plan, if he or she lives longer than 10 years. If the Annuitant dies before the end of 10 years, we will discount the remaining payments for the 10 year period at the same rate used to calculate the monthly income payment. If the remaining payments are variable income payments, we will assume the amount of each payment that we discount equals the payment amount on the date we receive due proof of death. We will pay this discounted amount in a lump sum. Payments will continue for the life of the Surviving Annuitant under the Joint Life and Survivor Life with 10 Years Certain plan, if any Annuitant lives longer than 10 years. If both Annuitants die before the end of 10 years, the remaining payments for the 10 year period will be discounted at the same rate used to calculate the monthly income payment. If the remaining payments are variable income payments, we will assume the amount of each payment that we discount equals the payment amount on the date we receive due proof of death. We will pay the discounted amount in a lump sum. 129 The contract also provides optional forms of income payments ("Optional Payment Plans"), each of which is payable on a fixed basis. Optional Payment Plan 1 and Optional Payment Plan 5 also are available on a variable basis. If you elect fixed income payments, the guaranteed amount payable will be computed using interest at a minimum rate of 3% compounded yearly. We may increase the interest rate, which will increase the amount we pay to you or the payee. If you elect variable income payments, the dollar amount of the first variable income payment will depend on the annuity purchase rates described in your contract for the Optional Payment Plan you choose. These rates vary based on the Annuitant's settlement age and gender, and upon the settlement age and gender of a second person you designate (if applicable). Under such tables, the longer the life expectancy of the Annuitant or the longer the period for which we guarantee to make payments under the option, the smaller the amount the first variable income payment will be. After your first income payment, the dollar amount of your income payments will vary based on the investment performance of the Subaccount(s) in which you invest and the contract's assumed interest rate. The assumed interest rate is an assumption we make regarding the investment performance of the Portfolios you select. This rate is simply the total return, after expenses, you need to keep your variable income payments level. We assume an effective annual rate of 3%. This means that if the annualized investment performance, after expenses, of your Subaccounts, measured between the day that the last payment was made and the day on which we are calculating the new payment, is less than 3%, then the dollar amount of your variable income payment will decrease. Conversely, if the annualized investment performance, after expenses, of your Subaccounts, measured between the day that the last payment was made and the day on which we are calculating the new payment, is greater than 3%, then the dollar amount of your income payment will increase. We will make income payments monthly unless you elect to receive payments quarterly, semi-annually or annually. Under the monthly income benefit and all of the Optional Payment Plans, if any payment made more frequently than annually would be or becomes less than $100, we reserve the right to reduce the frequency of payments to an interval that would result in each payment being at least $100. If the annual payment payable at maturity is less than $20, we will pay the Surrender Value in a lump sum. See the "Requesting Payments" provision of this prospectus. Upon making such a payment, we will have no future obligation under the contract. The amount of your income payments will depend on four things: . your Surrender Value on the Valuation Day immediately preceding your Annuity Commencement Date; . the settlement age on the Annuity Commencement Date, and if applicable, the gender of the Annuitant(s); . the specific payment plan you choose; and . if you elect variable income payments, the investment performance of the Portfolios selected. As provided in your contract, we may adjust the age used to determine income payments, and we may deduct premium taxes from your payments. Optional Payment Plans The following Optional Payment Plans are available under the contract, unless you have fully annuitized under Guaranteed Income Advantage or one of the Payment Protection Rider Options: Optional Payment Plan 1 -- Life Income with Period Certain. This option guarantees periodic monthly payments for the lifetime of the payee with a minimum number of years of payments. If the payee lives longer than the minimum period, payments will continue for his or her life. The minimum period can be 10, 15, or 20 years. The payee selects the designated period. If the payee dies during the minimum period, we will discount the amount of the remaining guaranteed payments at the same rate used in calculating income payments. We will pay the discounted amount in a lump sum to the payee's estate, unless otherwise provided. Optional Payment Plan 2 -- Income for a Fixed Period. This option provides for periodic payments to be made for a fixed period not longer than 30 years. Payments can be made annually, semi-annually, quarterly, or monthly. If the payee dies, we will discount the amount of the remaining guaranteed payments to the date of the payee's death at the same rate used in calculating income payments. We will pay the discounted amount in a lump sum to the payee's estate, unless otherwise provided. Optional Payment Plan 3 -- Income of a Definite Amount. This option provides periodic payments of a definite amount to be paid. Payments can be made annually, semi-annually, quarterly, or monthly. The amount paid each year must be at least $120 for each $1,000 of proceeds. Payments will continue until the proceeds are exhausted. The last payment will equal the 130 amount of any unpaid proceeds. If the payee dies, we will pay the amount of the remaining proceeds with earned interest in a lump sum to the payee's estate, unless otherwise provided. Optional Payment Plan 4 -- Interest Income. This option provides for periodic payments of interest earned from the proceeds left with us. Payments can be made annually, semi-annually, quarterly, or monthly. If the payee dies, we will pay the amount of remaining proceeds and any earned, but unpaid interest, in a lump sum to the payee's estate, unless otherwise provided. This plan is not available to contracts issued as Qualified Contracts. Optional Payment Plan 5 -- Joint Life and Survivor Income. This option provides for us to make monthly payments to two payees for a guaranteed minimum of 10 years. Each payee must be at least 35 years old when payments begin. Payments will continue as long as either payee is living. If both payees die before the end of the minimum period, we will discount the amount of the remaining payments for the 10 year period at the same rate used in calculating income payments. We will pay the discounted amount in a lump sum to the survivor's estate, unless otherwise provided. Optional Payment Plan 6 -- Fixed Income for Life. This option provides for us to make monthly payments of a fixed amount for the life of the Annuitant or, if there are Joint Annuitants, the last surviving Annuitant. If Lifetime Income Plus, Lifetime Income Plus 2007, Lifetime Income Plus 2008 or Lifetime Income Plus Solution has been elected and the contract has reached the latest permitted Annuity Commencement Date, the fixed amount payable annually will be greater than or equal to the most recently calculated Withdrawal Limit. If the last surviving Annuitant dies, no amount will be payable under this option. If the payee is not a natural person, our consent must be obtained before selecting an Optional Payment Plan. Fixed income payments, if selected, will begin on the date we receive due proof of the Annuitant's death or on the Annuity Commencement Date. Variable income payments will begin within seven days after the date payments would begin under the corresponding fixed option. Payments under Optional Payment Plan 4 (Interest Income) will begin at the end of the first interest period after the date proceeds are otherwise payable. All payments under Optional Payment Plan 2 (Income for a Fixed Period), Optional Payment Plan 3 (Income of a Definite Amount) and Optional Payment Plan 4 (Interest Income) may be redeemed by the payee upon written request to our Home Office. Payments made under Optional Payment Plan 1 (Life Income with Period Certain), Optional Payment Plan 5 (Joint Life and Survivor Income) and Optional Payment Plan 6 (Fixed Income for Life) are not redeemable. If a request for redemption is received for Optional Payment Plan 2, Optional Payment Plan 3 or Optional Payment Plan 4 in good order, the payment will generally be made within seven days, however, some states require us to reserve the right to defer payments from the Guarantee Account for up to six months from the date we receive the request for payment. If your contract is a Qualified Contract, Optional Payment Plans 2 and 3 may not satisfy minimum required distribution rules. Optional Payment Plan 4 is not available to contracts issued as Qualified Contracts. Optional Payment Plan 5 may not satisfy required distribution rules for all designated beneficiaries. Consult a tax adviser before electing one of these options. Variable Income Payments The monthly amount of your first variable income payment will equal your Surrender Value on the Valuation Day immediately preceding your Annuity Commencement Date, less any premium taxes, multiplied by the monthly payment rate for the payment plan you choose (at an assumed interest rate of 3%), divided by 1,000. We determine subsequent payments based on Annuity Units. On the Annuity Commencement Date, we determine the number of Annuity Units for each Subaccount. This number will not change unless you make a transfer. On the Annuity Commencement Date, the number of Annuity Units for a Subaccount is the portion of the first payment from that Subaccount divided by the Annuity Unit value for that Subaccount on the day the first payment is due. Each subsequent variable income payment will equal the sum of payments for each Subaccount. The payment for a Subaccount is the number of Annuity Units for that Subaccount multiplied by the Annuity Unit value for that Subaccount seven days before the monthly anniversary of the Annuity Commencement Date. Following the Annuity Commencement Date, the Annuity Unit value of each Subaccount for any Valuation Period will equal the Annuity Unit value for the preceding Valuation Period multiplied by the product of (a) and (b), where: (a) is the net investment factor for the Valuation Period for which we are calculating the Annuity Unit value; and (b) is an assumed interest rate factor equal to .99991902 raised to a power equal to the number of days in the Valuation Period. 131 The assumed interest rate factor in (b) above is the daily equivalent of dividing by one plus the assumed investment interest rate of 3%. We may offer a plan that has a different assumed investment interest rate. If we do, the assumed interest rate factor we use in (b) above would change. If you have elected Payment Optimizer Plus, the assumed interest rate will be 4% and the assumed interest rate factor in (b) will equal .99989255 raised to a power equal to the number of days in the Valuation Period. Transfers After the Annuity Commencement Date If we are making variable income payments, the payee may change the Subaccounts from which we are making the payments three times each calendar year. If you elect one of the Payment Protection Rider Options, the benefits you receive under such rider may be reduced if, after a transfer, your assets (Annuity Units) are not allocated in accordance with the prescribed Investment Strategy. Transfers may not be made if income payments are being received pursuant to the terms of Guaranteed Income Advantage. The transfer will be effective as of the end of the Valuation Period during which we receive the written transfer request at our Home Office. However, we reserve the right to limit the number of transfers, if necessary, for the contract to continue to be treated as an annuity under the Code. We also reserve the right to refuse to execute any transfer if any of the Subaccounts that would be affected by the transfer is unable to purchase or redeem shares of the Portfolio in which the Subaccount invests or if the transfer would adversely affect Annuity Unit values. If the number of Annuity Units remaining in a Subaccount after a transfer is less than 1, we will transfer the remaining balance in addition to the amount requested for the transfer. We will not allow a transfer into any Subaccount unless the number of Annuity Units of that Subaccount after the transfer is at least 1. The amount of the income payments as of the date of the transfer will not be affected by the transfer. We will not charge for transfers made after the Annuity Commencement Date. We do not permit transfers between the Subaccounts and the Guarantee Account after the Annuity Commencement Date. We also do not permit transfers in the Guarantee Account from one interest rate guarantee period to another interest rate guarantee period. Guaranteed Income Advantage Guaranteed Income Advantage provides a guaranteed income benefit that is based on the amount of assets you invest in the GIS Subaccount(s). Under the rider, you will receive a series of monthly income payments determined on the earlier of the date you designate payments from the GIS Subaccount(s) to begin (the "Income Start Date") or the date you annuitize the contract (the "Annuity Commencement Date"). Each series of monthly income payments is referred to as a segment. The guaranteed income benefit may be comprised of one or more segments. If you meet the conditions of the rider, as discussed more fully below, the amount of your monthly income payment, for each segment, will have a guaranteed income floor, and the guaranteed income floor will not vary based on the market performance of the Subaccounts in which your assets are allocated. There is an extra charge for this rider. You may not allocate purchase payments or assets in your contract directly to the GIS Subaccount(s). Payments to the GIS Subaccount(s) must be made through a series of scheduled transfers. As discussed in the "Scheduled Transfers" section below, for contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, scheduled transfers may be made in advance of their due date. In other words, for these contracts, you will have the ability to "pre-pay" transfers into the GIS Subaccount(s). Because this contract is no longer offered and sold, Guaranteed Income Advantage is no longer available to purchase under the contract. Each segment has its own effective date, Income Start Date, series of scheduled transfers, monthly income plan and guaranteed annual income factor. If you wish to elect this rider, you must do so at the time of application. You may add additional segments on any contract monthly anniversary for a maximum of five segments, provided the Annuitant is age 70 or younger at the time the segment is elected. We reserve the right to allow additional segments in the future. Scheduled Transfers The first scheduled transfer is made to the GIS Subaccount(s) as of the effective date of the segment. Scheduled transfers if due will continue to be made on each monthly anniversary of that date until the earlier of the Income Start Date or the Annuity Commencement Date. For contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, scheduled transfers may be made in advance of the monthly anniversaries on which they become due. If any month ends before the monthly anniversary or on a day that is not a Valuation Day, the next Valuation Day will be treated as the monthly anniversary for that month. 132 Only scheduled transfers can be made into the GIS Subaccount(s). Purchase payments may not be made directly to the GIS Subaccount(s). Scheduled transfers are made first to the GIS Subaccount(s) of the segment that has been in effect for the longest period of time. Scheduled transfers will first be made on a prorata basis from the Subaccounts to which you have allocated assets, excluding the GIS Subaccount(s). Scheduled transfers will then be made from any Guarantee Account to the extent that the value in the Subaccounts is insufficient to cover the scheduled transfer amount. Scheduled transfers from the Guarantee Account will be taken from amounts that have been in the Guarantee Account for the longest period of time. There is a minimum scheduled transfer of $100. If amounts available for transfer on the date of the scheduled transfer are not enough to make the scheduled transfer, that scheduled transfer and any future scheduled transfers will not be made with respect to that segment. Your guaranteed income floor for that segment will be based upon scheduled transfers made to that date. Withdrawals and Transfers You may take a withdrawal or make transfers from the GIS Subaccount(s) at any time prior to the earlier of the Income Start Date or the Annuity Commencement Date. For contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, except for the annual contract charge and any transfer charge (if applicable), any rider charge and contract charge not taken as an asset based charge from the GIS Subaccount(s) will be treated as withdrawals for purposes of calculating the guaranteed income floor and scheduled transfers made. Once you take a withdrawal or make a transfer from a segment, you will not be permitted to make any additional scheduled transfers to that segment. Your guaranteed income floor will be adjusted to reflect the amount withdrawn or transferred by using a recalculation of scheduled transfers made as described below. For contracts issued prior to April 29, 2005, or prior to the date on which state insurance authorities approve applicable contract modifications, after such withdrawal or transfer, the number of scheduled transfers made will equal (a) multiplied by (b) divided by (c), where: (a) is the number of scheduled transfers made prior to such withdrawal or transfer; (b) is the value of the applicable GIS Subaccount(s) after such withdrawal or transfer; and (c) is the value of the applicable GIS Subaccount(s) before such withdrawal or transfer. For contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, after such withdrawals or transfer, the scheduled transfers made will equal (a) multiplied by (b) divided by (c), where: (a) is the scheduled transfers made prior to such withdrawal or transfer; (b) is the value of the applicable GIS Subaccount(s) after such withdrawal or transfer; and (c) is the value of the applicable GIS Subaccount(s) before such withdrawal or transfer. Unless you instruct otherwise, withdrawals will first be deducted from the Subaccounts in which you have allocated assets, excluding the GIS Subaccount(s). These deductions will be taken on a prorata basis. Then withdrawals will be deducted from amounts allocated to the Guarantee Account for the longest period of time. Finally, withdrawals will be deducted from the GIS Subaccount(s) from the segment that has been in effect for the shortest period of time. Transfers from the GIS Subaccount(s) will be subject to the provisions stated in the "Transfers" provision of this prospectus. Monthly Income You may elect to receive monthly income under this rider or you may elect to transfer the value in the GIS Subaccount(s) to another investment option under your contract and receive income payments. If you elect to transfer the value in the GIS Subaccount(s) to another investment option, you will lose the guaranteed income benefit for that segment. On the Income Start Date, we will begin making monthly income payments in accordance with the monthly income plan chosen by you. The Income Start Date for the first segment is determined at application. The Income Start Date for each additional segment is determined at the time that segment is added to the contract. Once established, these Income Start Dates cannot be changed. For a single Annuitant, monthly income will be based on a Life Income with a 10 Year Period Certain plan. For Joint Annuitants, monthly income will be based on a Joint Life and Survivor Income with a 10 Year Period Certain plan. Different options may be elected prior to the effective date of the segment and must be approved by us. Please note that all Optional Payment Plans listed may not be available. See "Optional Payment Plans" in the "Income Payments" provision of this prospectus for additional information on available payment options. 133 Once monthly income payments begin, we will allocate payments to the investment options in which you have allocated assets at that time, excluding the GIS Subaccount(s), unless you choose to have monthly income payments made directly to you. Monthly income payments that are allocated to the investment options will not be subject to a contingent deferred sales charge if those payments are subsequently withdrawn or surrendered from the contract. Monthly income is calculated as of the first Valuation Day of each annuity year. If the first day of the annuity year does not begin on a Valuation Day, payments will be calculated on the next succeeding Valuation Day. Monthly income from the segment will not change from month to month during an annuity year; however, if another segment begins monthly payments after payments have already begun from other segments, your total monthly payments may increase due to the fact payments are being made from multiple segments. How Income Payments are Calculated Initial Income Payment. The initial annual income amount under any applicable payment plan is calculated by taking (a) multiplied by (b), divided by (c), where: (a) is the annual income rate per $1,000 in the contract for the income payment plan elected and the gender(s) and settlement age(s) of the Annuitant(s) as shown in the rider as of the Income Start Date; (b) is the value in the applicable GIS Subaccount(s) as of the Income Start Date, less any applicable premium tax; and (c) is $1,000. Income rates, for purposes of Guaranteed Income Advantage, are based on the Annuity 2000 Mortality Tables, using an assumed interest rate of 3.5%. The initial monthly income is the greater of the level income amount and the guaranteed income floor. We determine the level income amount by applying the annual income amount to a 12 month, period certain, single payment immediate annuity. For contracts issued prior to April 29, 2005, or prior to the date on which state insurance authorities approve applicable contract modifications, the guaranteed income floor is equal to (a) multiplied by (b) multiplied by (c), where: (a) is the scheduled transfer; (b) is the guaranteed annual income factor divided by 12; and (c) is the number of scheduled transfers made, adjusted for withdrawals and transfers. For contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, the guaranteed income floor is equal to (a) multiplied by (b), where: (a) is the scheduled transfers made into the GIS Subaccount(s), adjusted for withdrawals and transfers; and (b) is the guaranteed annual income factor divided by 12. Subsequent Income Payments. Subsequent income payments are determined by Annuity Units. The amount of any subsequent annual income amount may be greater or less than the initial amount. For contracts issued prior to April 29, 2005, or prior to the date on which state insurance authorities approve applicable contract modifications, the number of Annuity Units is determined by dividing the dollar amount of the initial annual income amount by the Annuity Unit values as of the Income Start Date. Your number of Annuity Units under a particular segment remains fixed. The dollar amount of each subsequent annual income amount is determined by multiplying your number of Annuity Units by the Annuity Unit value as of the Valuation Day each annuity year begins. For contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, the number of Annuity Units for each Subaccount is determined by dividing the portion of the initial annual income amount attributable to that Subaccount by the Annuity Unit value for that Subaccount as of the Income Start Date. The dollar amount of each subsequent annual income amount is the sum of the amounts from each Subaccount. The amount is determined by multiplying your number of Annuity Units in each Subaccount by the Annuity Unit value for that Subaccount as of the Valuation Day each annuity year begins. An adjustment account is established on the Income Start Date. The adjustment account tracks the difference between the level income amount and the guaranteed income floor when the level income amount is less than the guaranteed income floor. You will not receive monthly income above the guaranteed income floor unless future performance of the underlying Subaccount(s) is sufficient to reduce the adjustment account to zero. Therefore, poor long-term performance of the underlying Subaccount(s) may result in monthly income equal to the guaranteed income 134 floor, even if the underlying Subaccount(s) performs well in a particular year. The value of the adjustment account will be the greater of (a) and (b), where: (a) is zero; and (b) is 12 multiplied by the guaranteed income floor minus 12 multiplied by the initial level income amount. The actual monthly income in subsequent annuity years is the greater of (a) and (b), where: (a) is the subsequent level income amount minus any value in the adjustment account as of the date the last monthly income was made divided by 12; and (b) is the guaranteed income floor. For monthly income in subsequent annuity years, the value of the adjustment account will be the greater of (a) and (b) where: (a) is zero; and (b) is the value of the adjustment account as of the date that the last monthly income was made, plus 12 multiplied by the actual subsequent monthly income, minus 12 multiplied by the subsequent level income amount. On the Income Start Date, if any monthly income payment would be $100 or less, we reserve the right to reduce the frequency of transfers or payments to an interval that would result in each amount being at least $100. If the annual amount is less than $100, we will pay you the value in the applicable GIS Subaccount as of the Income Start Date and that segment will terminate. On the Annuity Commencement Date, no further scheduled transfers can be added to the GIS Subaccount(s). On this date, monthly income will be included as part of income payments in accordance with your income payment plan selected. Death Provisions The following provisions apply to any and all segments with regard to the death of any Annuitant. Special Distribution Rules When Death Occurs Before Income Start Date and Annuity Commencement Date For a surviving spouse who is an Annuitant and a designated beneficiary, the following will apply: (1) Upon notification of death: (a) the value of all Subaccounts, excluding the value of the GIS Subaccount(s), will be transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund; and (b) scheduled transfers if due will continue to be made. (2) If the surviving spouse elects to continue the contract, on receipt of proof of death and all required forms at our Home Office: (a) the death benefit under the contract will be allocated on a prorata basis to the investment options in which assets are then allocated; (b) all current segments will continue; and (c) the surviving spouse may elect to fund new segments on a contract monthly anniversary, if then eligible. For a surviving spouse, who is the designated beneficiary of any portion of the contract but not an Annuitant, the following will apply: (1) Upon notification of death: (a) the value of all Subaccounts, including the GIS Subaccount(s), will be transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund; and (b) all existing segments will terminate. (2) If the surviving spouse elects to continue the contract, on receipt of proof of death and all required forms at our Home Office: (a) we will allocate the death benefit under the contract on a prorata basis to the investment options in which assets are then allocated; and (b) the surviving spouse may elect to fund new segments on a contract monthly anniversary, if then eligible. Special Distribution Rules When Death Occurs On or After Income Start Date and Before Annuity Commencement Date If any Annuitant dies on the Income Start Date, the death benefit is reduced prorata by the same proportion that the value in the GIS Subaccount(s) is to the total Contract Value. If any Annuitant dies after the Income Start Date but before the Annuity Commencement Date, proceeds will be paid under this 135 rider, unless the surviving spouse continues the contract. The amount of proceeds payable under this rider will be the greater of (a) and (b), where: (a) is the commuted value of the remaining period certain of the guaranteed income floor; and (b) is the commuted value of the remaining period certain of the annual income amount. Commuted values will be calculated at a rate not greater than 1% above the rate at which the payments and Annuity Units were calculated. We will calculate the commuted values on the date that we receive proof of death and all required forms at our Home Office. For a surviving spouse who is an Annuitant and designated beneficiary, the following will apply: (1) Upon notification of death: (a) the value of all Subaccounts, excluding the value of the GIS Subaccount(s), will be transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund; and (b) scheduled transfers if due will continue to be made. (2) If the surviving spouse elects to continue the contract, on receipt of proof of death and all required forms at our Home Office: (a) the death benefit will be allocated on a prorata basis to the investment options in which assets are then allocated including any rider segments that are in effect prior to the Income Start Date; (b) all current segments will continue; and (c) the surviving spouse may elect to fund new segments on any contract monthly anniversary, provided he or she meets the eligibility requirements. For a surviving spouse, who is the designated beneficiary of any portion of the contract but not an Annuitant, the following will apply; (1) Upon notification of death; (a) all value of the Subaccounts will be transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund; and (b) all existing segments not past the Income Start Date will terminate. (2) If the surviving spouse elects to continue the contract, on receipt of proof of death and all required forms at our Home Office: (a) the death benefit will be allocated on a prorata basis to the investment options in which assets are then allocated; (b) any segment past its Income Start Date will continue any remaining period certain payments; and (c) the surviving spouse may elect to fund new segments on any contract monthly anniversary, provided he or she meets the eligibility requirements. The surviving spouse will become the named designated Annuitant. Other Contract Charges Any rider and contract charges not taken on a daily basis will first be deducted on a prorata basis from all Subaccounts, excluding the GIS Subaccount(s). If the assets in the Subaccounts are insufficient to cover the charges, the remaining amount will be deducted from any Guarantee Account. Deductions from the Guarantee Account will be taken first from the amounts that have been in the Guarantee Account for the longest period of time. For contracts issued prior to April 29, 2005, or prior to the date on which state insurance authorities approve applicable contract modifications, any remaining charges will be deducted prorata from the GIS subaccount(s) in the oldest segment(s) that have not reached their Income Start Date(s). For contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, any remaining charges will be deducted from the GIS Subaccount(s) of the segments beginning with the segment that has been in effect for the shortest period of time and that has not reached its Income Start Date. For these contracts, except for the annual contract charge and any transfer charge (if applicable), any rider charge and contract charge not taken as an asset based charge from the GIS Subaccount(s) will be treated as withdrawals for purposes of calculating the guaranteed income floor and scheduled transfers made. Termination of Rider For contracts issued prior to April 29, 2005, or prior to the date on which state insurance authorities approve applicable contract modifications, this rider will terminate on the contract anniversary following the first date that there are no segments, unless the Annuitant and any Joint Annuitant are eligible to buy 136 a segment on that date. For contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, this rider will terminate on the contract anniversary following the first date that there are no segments, unless you are eligible to buy a segment on that date. Ownership and Change of Ownership On the date that the contract is assigned or sold, unless under an involuntary assignment effected by legal process, all amounts in the GIS Subaccount(s) will be transferred to the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund. If you marry after the Contract Date, you may add your spouse as a Joint Owner and Joint Annuitant or as a Joint Annuitant only, subject to our approval. For purposes of this rider: . a non-natural owner must name an Annuitant and may name a Joint Annuitant; . a natural individual owner must also be an Annuitant; . if there is only one natural owner, that owner may name his or her spouse as a Joint Annuitant. . under federal tax law, all contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Civil union partners are not permitted to continue the contract without taking required distributions upon the death of an owner. Therefore, even if named a joint owner/Joint Annuitant, a civil union partner will have to take required distributions upon the death of the other joint owner/Joint Annuitant. See the "Distribution Rules" provision of this prospectus. If this situation applies to you, you should consult a tax adviser. 137 Examples The following example shows how Guaranteed Income Advantage works based on hypothetical values. The example is for illustrative purposes only and is not intended to depict investment performance of the contract and, therefore, should not be relied upon in making a decision to invest in the rider or contract. The example assumes that an owner purchases a contract with a male Annuitant age 60 at the time of issue and has elected a Life Income with 10 Years Certain payment plan. In addition, the example assumes that: (1) the owner purchases the contract for $96,000; (2) the owner makes no additional purchase payments; (3) the owner purchases only one segment; (4) the contract, including the GIS Subaccount investing in shares of the State Street Variable Insurance Series Funds, Inc. -- Total Return V.I.S. Fund, earns a net return of 5%; (5) the owner makes scheduled transfers of $800 at the first of every month (for a total of $9,600 per year) for 10 years; and (6) the owner annuitizes the GIS Subaccount at the end of the 10th year.

Value of Value of Guaranteed Value of Value of GIS GIS Minimum Subaccounts Scheduled Subaccounts Subaccount Scheduled Subaccount Annual at Beginning Transfers at End at Beginning Transfers at End Payment Year of Year Made of Year of Year Made of Year Accrued ------------------------------------------------------------------------------------ 1 $96,000 $9,600 $90,942 $ 0 $9,600 $ 9,858 $ 970 2 90,942 9,600 85,631 9,858 9,600 20,209 1,940 3 85,631 9,600 80,054 20,209 9,600 31,078 2,910 4 80,054 9,600 74,199 31,078 9,600 42,489 3,880 5 74,199 9,600 68,051 42,489 9,600 54,472 4,850 6 68,051 9,600 61,596 54,472 9,600 67,054 5,820 7 61,596 9,600 54,817 67,054 9,600 80,264 6,790 8 54,817 9,600 47,700 80,264 9,600 94,136 7,760 9 47,700 9,600 40,227 94,136 9,600 108,701 8,730 10 40,227 9,600 32,380 108,701 9,600 123,994 9,700 ------------------------------------------------------------------------------------

Assuming the above, we will make guaranteed payments of $9,700 (annually) to the owner for the life of the Annuitant or for 10 years, whichever is longer. The table below shows how calculated payments and the adjustment account may vary and affect the payment to the owner.

Adjustment Calculated Guaranteed Payment Account Year Payment Payment to Owner Balance ---------------------------------------------- 11 $ 9,502 $9,700 $ 9,700 $199 12 9,639 9,700 9,700 260 13 9,779 9,700 9,779 181 14 9,921 9,700 9,921 0 15 10,065 9,700 10,065 0 16 10,210 9,700 10,210 0 17 10,358 9,700 10,358 0 18 10,509 9,700 10,509 0 19 10,661 9,700 10,661 0 20 10,815 9,700 10,815 0 ----------------------------------------------

138 For contracts issued on or after the later of April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications, the following example also applies: The following example shows how Guaranteed Income Advantage works based on hypothetical values. The example is for illustrative purposes only and is not intended to depict investment performance of the contract and, therefore, should not be relied upon in making a decision to invest in the rider or contract. The example assumes that an owner purchases a contract with a male Annuitant age 60 at the time of issue and has elected a Life Income with 10 Years Certain payment plan. In addition, the example assumes that: (1) the owner purchases the contract for $96,000; (2) the owner makes no additional purchase payments; (3) the owner purchases only one segment; (4) the contract, including the GIS Subaccount investing in shares of the State Street Variable Insurance Series Funds, Inc. -- Total Return V.I.S. Fund, earns a net return of 5%; (5) the owner transfers the entire $96,000 into the GIS Subaccount at the beginning of year 1; and (6) the owner annuitizes the GIS Subaccount at the end of the 10th year.

Value of GIS Value of Guaranteed Value of Value of Subaccount GIS Minimum Subaccounts Scheduled Subaccounts at Scheduled Subaccount Annual at Beginning Transfers at End Beginning Transfers at End Payment Year of Year Made of Year of Year Made of Year Accrued ---------------------------------------------------------------------------------- 1 $96,000 $96,000 $0 $ 0 $96,000 $100,800 $9,700 2 0 0 0 100,800 0 105,840 9,700 3 0 0 0 105,840 0 111,132 9,700 4 0 0 0 111,132 0 116,689 9,700 5 0 0 0 116,689 0 122,523 9,700 6 0 0 0 122,523 0 128,649 9,700 7 0 0 0 128,649 0 135,082 9,700 8 0 0 0 135,082 0 141,836 9,700 9 0 0 0 141,836 0 148,928 9,700 10 0 0 0 148,928 0 156,374 9,700 ----------------------------------------------------------------------------------

Assuming the above, we will make guaranteed payments of $9,700 (annually) to the owner for the life of the Annuitant or for 10 years, whichever is longer. The table below shows how calculated payments and the adjustment account may vary and affect the payment to the owner.

Adjustment Calculated Guaranteed Payment Account Year Payment Payment to Owner Balance ---------------------------------------------- 11 $11,983 $9,700 $11,983 $0 12 12,157 9,700 12,157 0 13 12,333 9,700 12,333 0 14 12,512 9,700 12,512 0 15 12,693 9,700 12,693 0 16 12,877 9,700 12,877 0 17 13,063 9,700 13,063 0 18 13,253 9,700 13,253 0 19 13,445 9,700 13,445 0 20 13,640 9,700 13,640 0 ----------------------------------------------

139 Tax Treatment of Guaranteed Income Advantage Monthly income payments allocated to investment options under the contract and other transfers to investment options are generally not subject to tax. However, for purposes of reporting the taxable amount of withdrawals, income on the contract is determined using the entire contract value, including the value of any annuitized segment allocating monthly income payments to investment options. You may not elect to have monthly income payments paid to you and then later direct that they be allocated to investment options under the contract. Monthly income payments from less than the entire Contract Value will not be treated as withdrawals for federal income tax purposes, if certain conditions are satisfied. To be treated as monthly income payments (instead of as a series of withdrawals), income payments from less than the entire Contract Value must be taken for one or more lives or a fixed period of at least 10 years. Lifetime income with a period certain of any duration would qualify. In that case, a pro-rata portion of your "investment in the contract" will be allocated to the income payments. The tax treatment of such income payments is the same as that for income payments received on or after the Annuity Commencement Date, as described below. If monthly income payments are taken from less than the entire Contract Value and you subsequently direct that they be allocated to investment options under the contract, the tax treatment of payments before or after such allocation is uncertain. Monthly income payments you receive on or after the Annuity Commencement Date (i.e., from the entire Contract Value) will be subject to tax as income payments. A portion of each payment will be treated as nontaxable recovery of your "investment in the contract" (see above) and the remainder will be taxed at ordinary income tax rates. We will notify you annually of the taxable amount of your income payments. If income payments cease because of the death of the Annuitant(s) and before the total amount of the "investment in the contract" has been recovered, the unrecovered amount generally will be deductible. Persons intending to purchase Guaranteed Income Advantage in connection with a qualified retirement plan should obtain advice from a tax adviser. For further information on the tax treatment of partial withdrawals and income payments, see the " Tax Matters" provision below. Payment Protection Rider Options We discuss two Payment Protection Rider Options in this prospectus: Payment Optimizer Plus and Principal Protection Advantage. Principal Protection Advantage is not available for contracts issued on or after May 1, 2007. Payment Optimizer Plus is not available for contracts issued after October 17, 2008. These Payment Protection Rider Options are discussed in separate sections below. There is an extra charge for each of the Payment Protection Rider Options. Payment Optimizer Plus Payment Optimizer Plus provides for a guaranteed income benefit that is based on the amount of purchase payments you make to your contract. Under the rider, you will receive a series of monthly income payments determined on the Annuity Commencement Date. If you meet the conditions of the rider, as discussed more fully below, the amount of your monthly income payment will have a guaranteed payment floor, and the guaranteed payment floor will not vary based on the market performance of the Subaccounts in which your assets are allocated. In addition, you will be eligible to receive at least the value of your purchase payments in monthly income or additional death proceeds, even if your Contract Value reduces to zero. The rider includes an "immediate annuitization" feature that provides you the opportunity to receive monthly income payments within the first year of the contract. Under the rider, you also may request to terminate your contract and rider at any time after the Annuity Commencement Date and receive the commuted value of your income payments, minus a commutation charge, in a lump sum, so long as the termination is after the right to cancel period under your contract. These and other features of the rider are more fully discussed below. Please note that the commutation feature in Payment Optimizer Plus may not be available in all states. Please review the features of Payment Optimizer Plus available in the contract issued in your state before making a decision to elect the rider. This rider may not be available in all states or in all markets. We reserve the right to discontinue offering the rider at any time and for any reason. If you wish to elect this rider, you must do so at the time of application. Payment Optimizer Plus is not available for contracts issued after October 17, 2008. Investment Strategy In order to receive the full benefit provided by this rider, you must invest all purchase payments and allocations in accordance with a prescribed Investment Strategy. If you do not allocate all assets in accordance with a prescribed Investment Strategy, your benefit will be reduced by 50%. Even if your benefit is reduced, you will continue to pay the full amount charged for the rider. 140 If you have elected this rider, you may not allocate assets to the Guarantee Account for as long as this rider is in effect. Investment Strategies may change from time to time. You may allocate your assets in accordance with your Investment Strategy prescribed at the time the contract was issued, or in accordance with the Investment Strategy in effect at the time you reset your benefit. Therefore, you may have assets allocated to an Investment Strategy that is different than the Investment Strategy described in this prospectus. Your ability to choose different Investment Strategies is limited, as described below. For contracts issued on or after May 1, 2007 and for contract owners who reset their benefit under the rider on or after May 1, 2007, the Investment Strategy includes Designated Subaccounts and Asset Allocation Model C. Under this Investment Strategy, contract owners may allocate assets to either Asset Allocation Model C or to one or more Designated Subaccounts. Contract owners may not allocate assets to Asset Allocation Model C and one or more Designated Subaccounts. Contract owners, however, may elect to participate in the Defined Dollar Cost Averaging program, which permits the owner to systematically transfer a fixed dollar amount on a monthly basis for twelve months from the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund to one of the available Investment Strategy options. The Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund is only available as part of the Defined Dollar Cost Averaging program. For more information about Asset Allocation Model C, the Subaccounts comprising Asset Allocation Model C and the Designated Subaccounts, and the Defined Dollar Cost Averaging program, please see the "Subaccounts," "Asset Allocation Program" and "Defined Dollar Cost Averaging Program" provisions of this prospectus. On a monthly basis, we will rebalance your Contract Value to the Subaccounts in accordance with the percentages that you have chosen to invest in the Designated Subaccounts or in accordance with the allocations that comprise Asset Allocation Model C. In addition, we will also rebalance your Contract Value on any Valuation Day after any transaction involving a withdrawal, receipt of a purchase payment or a transfer of Contract Value, unless you instruct us otherwise. If you are participating in the Defined Dollar Cost Averaging program, rebalancing will not affect the assets allocated to the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund. Shares of a Portfolio may become unavailable under the contract for new purchase payments, transfers, and asset rebalancing. As a result, shares of a Portfolio may also become unavailable under your Investment Strategy. Investment Strategies may be modified to respond to such events by removing unavailable Portfolios and adding new Portfolios as appropriate. Because such changes may affect your allocation instructions, you will need to provide updated allocation instructions to comply with the modified Investment Strategy. If you do not provide updated allocation instructions, any subsequent purchase payments or transfers requesting payment to an unavailable Portfolio will be considered not in good order. Periodic rebalancing to unavailable Portfolios will cease and any imbalances in percentages due to lack of asset rebalancing will not cause a reduction in your benefit. If you request a transfer or send a subsequent purchase payment with allocation instructions to a Portfolio that is not part of the prescribed Investment Strategy, we will honor your instructions. Please be aware, however, that your total Contract Value will not be invested in accordance with the prescribed Investment Strategy, and your benefit base will be reduced by 50%, resulting in a reduction in your benefit. You may elect to resume participation in the prescribed Investment Strategy at your next available reset date, as described in the "Reset of Benefit Base" provision below, provided we receive written notice of your election at our Home Office at least 15 days prior to that date. If you elect to participate in the Investment Strategy, your benefit base will be reset to your Contract Value as of that date. At that time, the charge for this rider will also be reset. The new charge, which may be higher than your previous charge, is guaranteed not to exceed an annual rate of 1.25%. The current Investment Strategy is as follows: (1) owners may allocate assets to the following Designated Subaccounts: AB Variable Products Series Fund, Inc. -- AB Balanced Wealth Strategy Portfolio -- Class B; AIM Variable Insurance Funds (Invesco Variable Insurance Funds) -- Invesco V.I. Conservative Balanced Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares); AIM Variable Insurance Funds (Invesco Variable Insurance Funds) -- Invesco V.I. Equity and Income Fund -- Series II shares; BlackRock Variable Series Funds, Inc. -- BlackRock Global Allocation V.I. Fund -- Class III Shares; Fidelity Variable Insurance Products Fund -- VIP Balanced Portfolio -- Service Class 2; 141 Janus Aspen Series -- Janus Henderson Balanced Portfolio -- Service Shares; MFS(R) Variable Insurance Trust -- MFS(R) Total Return Series -- Service Class Shares; and/or State Street Variable Insurance Series Funds, Inc. -- Total Return V.I.S. Fund -- Class 3 Shares OR (2) owners may allocate assets to Asset Allocation Model C. Contract owners may elect to participate in the Defined Dollar Cost Averaging program when they apply for the contract. Defined Dollar Cost Averaging permits the owner to systematically transfer a fixed dollar amount on a monthly basis for twelve months from the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund to one of the available Investment Strategy options. The Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund is only available as part of the Defined Dollar Cost Averaging program. If, on the Annuity Commencement Date, you are allocating assets in accordance with the prescribed Investment Strategy and you later choose to allocate the value of Annuity Units without following the Investment Strategy, your income base will be reduced by 50% and the benefits you are eligible to receive under the rider will be reduced. However, if your benefit base was reduced due to not following the Investment Strategy and then not reset before your Annuity Commencement Date, this adjustment does not apply. On a monthly basis, we will rebalance the value of Annuity Units to the Subaccounts in accordance with the percentages that you have chosen for the Designated Subaccounts or in accordance with the allocations that comprises Asset Allocation Model C. If you are participating in the Defined Dollar Cost Averaging program, rebalancing will not affect the assets allocated to the Designated Subaccount investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund. We will not reduce your benefit base or income base if you are not following the Investment Strategy due to a Portfolio liquidation or a Portfolio dissolution and the assets are transferred from the liquidated or dissolved Portfolio to another Portfolio. Benefit Base and Income Base Benefit base is used to calculate income base. Income base is used to calculate the guaranteed amount of monthly income. Income base is also used to calculate any additional death proceeds. If benefit base or income base is reduced, the benefits you are eligible for under this rider also will be reduced. The initial benefit base is equal to the sum of all purchase payments received on the Contract Date. The benefit base remains in effect until adjusted as described below. If you have allocated assets in accordance with the prescribed Investment Strategy from the later of the Contract Date and the date on which benefit base was reset, as described in the "Reset of Benefit Base" provision below, any additional purchase payments applied will be added to the benefit base as of the prior Valuation Day. Important Note. We reserve the right to exclude additional purchase payments from being applied to the benefit base. As a result, it is possible that you would not be able to make subsequent purchase payments after the initial purchase payment to take advantage of the benefits provided by Payment Optimizer Plus that would be associated with such additional purchase payments. For example, since your benefit base would not be increased for such subsequent purchase payments, the monthly income payments associated with such purchase payments would not have a guaranteed payment floor and such purchase payments would not increase the income base for purposes of calculating the amount of any additional death proceeds. In addition, if you make purchase payments that are not included in the calculation of your benefit base, you will pay a higher rider charge to the extent that the purchase payments increase the Contract Value upon which the charge is imposed. Also, to the extent your Contract Value is increased by such purchase payments, you are less likely to realize any benefit under Payment Optimizer Plus, because it is less likely that your Contract Value will be less than the benefit base or income base, as applicable. Before making purchase payments that do not increase the benefit base, you should consider that: (i) the guaranteed payment floor, additional death proceeds, and other guarantees provided by this rider will not reflect such purchase payments; (ii) any such purchase payments make it less likely that you will receive any such benefits even if your Contract Value has declined; and (iii) this rider may not make sense for you if you intend to make purchase payments that will not increase the benefit amount. If your benefit base was reduced due to not following the Investment Strategy and then not reset, any additional purchase payments applied will increase the benefit base on the prior Valuation Day by 50% of the purchase payment. 142 We reserve the right to exclude additional purchase payments from being applied to the benefit base. All withdrawals, including any surrender charges, reduce the benefit base. The new benefit base is equal to (a) multiplied by (b) divided by (c), where: (a) is the benefit base as of the prior Valuation Day, adjusted for any additional purchase payments received; (b) is the Contract Value following the withdrawal; and (c) is the Contract Value before the withdrawal. On the Annuity Commencement Date, the income base is set equal to the benefit base. Any withdrawal that occurs on the Annuity Commencement Date will be processed before benefit base is converted to income base. Reset of Benefit Base. If all of the Annuitants are ages 50 through 85, you may choose to reset your benefit base on an annual anniversary of the Contract Date that is at least 12 months after the later of the Contract Date and the last reset date. We must receive written notice of your election to reset your benefit base at our Home Office at least 15 days prior to the reset date. If you do reset your benefit base, as of that date, we will: . reset the benefit base to your Contract Value; . reset the charge for this rider. The new charge, which may be higher than your previous charge, will never exceed 1.25% annually; and . reset the Investment Strategy to the current Investment Strategy. You may not reset your benefit base after the Annuity Commencement Date. If on any contract anniversary any Annuitant is older than age 85, you may not reset your benefit base. Because the Annuity Commencement Date is determined by when you begin taking income payments, you should carefully consider when to start taking income payments if you elected Payment Optimizer Plus. The longer you wait before beginning to take income payments, the more opportunities you may have to reset the benefit base and thereby potentially increase the amount of income payments. If you delay starting to take income payments too long, however, you may limit the number of years available for you to take income payments in the future (due to life expectancy) and you may be paying for a benefit you are not using. Systematic Resets. You may elect to reset your benefit base automatically on an available contract anniversary (a "systematic reset"). If you have not previously elected to systematically reset your benefit, or if your election has terminated, we must receive written notice of your election to systematically reset your benefit at our Home Office at least 15 days prior to your next contract anniversary. A systematic reset of your benefit base will occur when your contract value is higher than the benefit base as of the available contract anniversary or, if the contract anniversary is not a Valuation Day, as of the next Valuation Day. By "available contract anniversary" we mean a contract anniversary on which you are eligible to reset your benefit, as such requirements (age and otherwise) are described herein. Systematic resets will continue until and unless: (a) the Investment Strategy is violated; (b) the owner (or owners) submits a written request to our Home Office to terminate systematic resets; (c) income payments begin via annuitization; (d) the Investment Strategy changes, allocations are affected, and we do not receive confirmation from you at our Home Office of new allocations; or (e) ownership changes. Please note that a systematic reset will occur on an available contract anniversary if contract value is even nominally higher than the benefit base (e.g., as little as $1.00 higher) and, therefore, a systematic reset may not be in your best interest because: (i) the charge for this rider may be higher than your previous charge; and (ii) the Investment Strategy will be reset to the current Investment Strategy (the Investment Strategy offered on the reset date). Please carefully consider whether it is in your best interest to elect to systematically reset your benefit base. Monthly Income. The Annuity Commencement Date under this rider may be any Valuation Day after the first Valuation Day under the Contract. Prior to the date that monthly income begins, the Annuity Commencement Date may be changed to any Valuation Day after the first Valuation Day under the Contract. On the Annuity Commencement Date, we will begin the payment process for your monthly income payments. Monthly income will be paid to you over the life of the Annuitant(s), unless you elect otherwise. Beginning on the Annuity Commencement Date, monthly income will be calculated annually as of the first Valuation Day of each annuity year. An annuity year is the one-year period beginning on the Annuity Commencement Date or on the annual anniversary of the Annuity Commencement Date. If the first day of an annuity year does not begin on a Valuation Day, the next Valuation Day 143 will be used in calculating the monthly income for that annuity year. Monthly income will not vary during an annuity year. The amount may increase or decrease from annuity year to annuity year. How Income Payments are Calculated Guaranteed Payment Floor. The guaranteed payment floor is the guaranteed amount of each monthly income payment. The guaranteed payment floor is equal to (a) multiplied by (b) divided by (c), where: (a) is the income base; (b) is the guaranteed payment floor percentage for the attained age of the Annuitant for a single Annuitant contract or the attained age for younger living Annuitant for a Joint Annuitant contract on the Annuity Commencement Date (as specified in the contract); and (c) is 12. For purposes of this rider, the benefits under this rider, and the rider charge, once a contract is a Joint Annuitant contract, it will remain a Joint Annuitant contract while the contract and rider are in effect. Initial Monthly Income. The initial monthly income is the greater of the level income amount and the guaranteed payment floor. The annual income amount is used to determine the level income amount. We determine the level income amount by applying the annual income amount to a 12 month, period certain, single payment immediate annuity. The initial annual income amount is equal to (a) multiplied by (b), where: (a) is the payment rate based upon the gender(s), when applicable, and settlement age(s) of the Annuitant(s) as shown in the rider, the Contract Value on the Valuation Day prior to the Annuity Commencement Date and the income base as of the Annuity Commencement Date; and (b) is the Contract Value on the Valuation Day prior to the Annuity Commencement Date less any premium tax. For purposes of this rider only, the payment rates are based on the Annuity 2000 Mortality Table, using an assumed interest rate of 4%. These annuity rates may not be as favorable as the current rates we would use to calculate payments under the "Life Income with Period Certain" annuity payment option available under this contract on the Annuity Commencement Date, and your Contract Value on the Annuity Commencement Date would be higher than under this rider because there would be no associated rider charge. Accordingly, payments under such an annuity payment option may be greater than payments under this rider. However, payments under such an annuity payment option would not have a guaranteed payment floor. In addition, you would not be guaranteed to be eligible to receive at least the value of your purchase payments in monthly income payments or additional death proceeds even if your Contract Value reduces to zero, although payments under life income with period certain annuity payment options may also provide certain death proceeds. You should carefully consider which annuity payment option is right for you. Monthly Age Adjustment: The settlement age(s) is the Annuitant(s)'s age last birthday on the date monthly income begins, minus an age adjustment from the table below. The actual age adjustment may be less than the numbers shown.

Year Payments Begin Maximum -------------------- Age After Prior To Adjustment -------------------- 2005 2011 5 2010 2026 10 2025 -- 15 ------------------------------

On the Annuity Commencement Date, if any monthly income payment would be $100 or less, we reserve the right to reduce the frequency of payments to an interval that would result in each amount being at least $100. If the annual payment would be less than $100, we will pay the Contract Value on the Valuation Day prior to the Annuity Commencement Date and the contract will terminate on the Annuity Commencement Date. Subsequent Monthly Income. Subsequent annual income amounts are determined by means of Annuity Units. The amount of any subsequent annual income amount may be greater or less than the initial payment. We guarantee that each subsequent payment will not be affected by variations in mortality experience from the mortality assumptions on which the first payment is based. The number of Annuity Units will be determined on the Annuity Commencement Date. The number will not change unless a transfer is made. The number of Annuity Units for a Subaccount is determined by dividing the initial annual income amount attributable to that Subaccount by the Annuity Unit value for that Subaccount as of the Annuity Commencement Date. The dollar amount of each subsequent annual income amount is the sum of the payments from each Subaccount. The payment is determined by multiplying your number of Annuity Units in each Subaccount by the Annuity Unit value for that Subaccount as of the Valuation Day each annuity year starts. An adjustment account is established on the Annuity Commencement Date. The adjustment account tracks the 144 difference between the level income amount and the guaranteed payment floor when the level income amount is less than the guaranteed payment floor. You will not receive monthly income above the guaranteed payment floor unless future performance of the underlying Subaccount(s) is sufficient to reduce the adjustment account to zero. Therefore, poor long-term performance of the underlying Subaccount(s) may result in monthly income equal to the guaranteed payment floor, even if the underlying Subaccount(s) performs well in a particular year. The value of the adjustment account on the Annuity Commencement Date will be the greater of (a) and (b), where: (a) is zero; and (b) is 12 multiplied by the guaranteed payment floor, minus 12 multiplied by the initial level income amount. Monthly income in subsequent annuity years will be calculated annually as of the first Valuation Day of each annuity year. The actual monthly income in subsequent annuity years is the greater of (a) and (b), where: (a) is the subsequent level income amount, minus any value in the adjustment account as of the date the last monthly income was paid divided by 12; and (b) is the guaranteed payment floor. For monthly income in subsequent annuity years, the value of the adjustment account will be the greater of (a) and (b), where: (a) is zero; and (b) is the value of the adjustment account as of the prior annuity year, plus 12 multiplied by the actual subsequent monthly income for the current annuity year, minus 12 multiplied by the subsequent level income amount for the current annuity year. Commutation Provision After the Annuity Commencement Date, you may request to terminate your contract and this rider. If the right to cancel period as defined under the contract has ended, you will receive the commuted value of your income payments in a lump sum, calculated as described below (the "commutation value"). After this lump sum payment, income payments will end. Please note that the commutation feature in Payment Optimizer Plus may not be available in all states. Please review the features of Payment Optimizer Plus available in the contract issued in your state before making a decision to elect the rider. Commutation Value: The commutation value will be the lesser of (a) and (b) but not less than zero, where: (a) is (i) minus (ii) minus (iii), where: (i) is the income base less any premium tax; (ii) the commutation charge; and (iii) is the sum of all monthly income paid; (b) is (i) minus (ii) minus (iii) plus (iv), where: (i) is the commutation base, which is described below, less any premium tax; (ii) is the commutation charge; (iii) is the adjustment account value; and (iv) is the level income amount multiplied by the number of months remaining in the current annuity year. The amount of the commutation charge will be the surrender charge that would otherwise apply under the contract, in accordance with the surrender charge schedule. Commutation Base: On any day that is a Valuation Day, the commutation base in a Subaccount is determined by multiplying the number of commutation units in that Subaccount by the value of the commutation unit for that Subaccount. The commutation base is equal to the sum of the commutation base amounts for each Subaccount. Commutation Units: On the Valuation Day prior to the Annuity Commencement Date, the commutation units in a Subaccount will be equal to the number of Accumulation Units for that Subaccount. The number of commutation units is reduced at the beginning of each annuity year. The reduction for each Subaccount equals (a) divided by (b), where: (a) is the annual income amount for the Subaccount; and (b) is the value of the commutation unit for the Subaccount on the first Valuation Day of the annuity year. Other events that will reduce the number of commutation units of a Subaccount are as follows: (1) transfers out of the Subaccount; (2) payment of commutation proceeds; (3) payment of death proceeds; and (4) deduction of applicable contract charges. 145 Commutation units are canceled as of the end of the Valuation Period in which we receive notice in a form acceptable to us regarding an event that reduces commutation units. Transfers: When we perform Subaccount transfers after the Annuity Commencement Date, we will redeem the commutation units from the current Subaccount and purchase commutation units from the new Subaccount. The commutation base on the date of the transfer will not be affected by the transfer. The number of commutation units added to the new Subaccount is (a) multiplied by (b), divided by (c), where: (a) is the number of commutation units transferred out of the current Subaccount; (b) is the value of a commutation unit of the current Subaccount; and (c) is the value of a commutation unit of the new Subaccount. Value of Commutation Units: The initial value of a commutation unit for each Subaccount is the initial value of the Accumulation Unit for that Subaccount. Thereafter, the value of a commutation unit at the end of every Valuation Day is the value of the commutation unit at the end of the previous Valuation Day multiplied by the net investment factor, as described in the contract. The value of a commutation unit may change from one Valuation Period to the next. Note on Calculation of Commutation Value. If you elect to terminate your contract and the rider and receive the commutation value, the commutation value is based on the commuted value of your income payments in a lump sum. The amount of income payments on which the commutation value is based on either (a) income base, which is a measure of purchase payments (and Contract Value, if there is a reset) applied under the contract, and is used to calculate the guaranteed payment floor; and (b) commutation base, which is a measure of Contract Value had the contract not been "annuitized," and reflects the effect of market performance. In addition, the commutation value reflects the deduction of any applicable commutation charge. If you elect to terminate your contract after income payments have begun and receive the commutation value, you will receive the lesser of the adjusted income base and the adjusted commutation base (but not less than zero), as described in the calculation provided above. You should be aware that income base will not reflect any positive investment performance unless, on or before the Annuity Commencement Date, there was a reset of benefit base capturing such performance. As a result, the commutation value you receive will always be less than the income base (adjusted for any premium tax, commutation charge and monthly income paid) and will never reflect any of the positive investment performance experienced after a reset or after the Annuity Commencement Date. This rider is primarily designed to provide a guaranteed income payment with upside potential and, therefore, this rider may not make sense for you if you believe you may elect to terminate the contract and receive the commutation value after your contract has experienced positive investment performance. In addition, the total amount of commuted income payments you receive if you terminate the contract may be less than the total amount of income payments and additional death proceeds you would be guaranteed to receive if you did not terminate the contract. Death Provisions The following provisions apply to the rider. Special Distribution Rules When Death Occurs Before Monthly Income Starts If the designated beneficiary is a surviving spouse who elects to continue the contract as the new owner, this rider will continue. Special Distribution Rules When the Last Annuitant Dies On or After Monthly Income Starts If the last Annuitant dies after an Annuity Commencement Date, there may be additional death proceeds paid under this rider to the designated beneficiary in a lump sum. The amount of any additional death proceeds will be the greater of (a) and (b), where: (a) is (i) minus (ii), where: (i) is the income base; (ii) is the sum of all monthly income paid; and (b) is zero. When this Rider is Effective The effective date of the rider is the Contract Date. This rider may be terminated only when the contract is terminated. Change of Ownership We must approve any assignment or sale of this contract unless the assignment is made pursuant to a court order. General Provisions For purposes of this rider: . a non-natural owner must name an Annuitant and may name the Annuitant's spouse as a Joint Annuitant; . an individual owner must also be an Annuitant; 146 . if there is only one owner, that owner may name only his or her spouse as a Joint Annuitant -- at issue; and . If you marry after issue, but prior to the Annuity Commencement Date, you may add your spouse as a joint owner and Joint Annuitant or as a Joint Annuitant only, subject to Home Office approval. . under federal tax law, all contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Civil union partners are not permitted to continue the contract without taking required distributions upon the death of an owner. Therefore, even if named a joint owner/Joint Annuitant, a civil union partner will have to take required distributions upon the death of the other joint owner/Joint Annuitant. See the "Distribution Rules" provision of this prospectus. If this situation applies to you, you should consult a tax adviser. 147 Examples The following examples show how Payment Optimizer Plus works based on hypothetical values. The examples are for illustrative purposes only and are not intended to depict investment performance of the contract and, therefore, should not be relied upon in making a decision to invest in the rider or contract. The examples assume that an owner purchases the contract with a male Annuitant, age 65, at the time of issue. The first examples assumes that: (1) the owner purchases the contract for $100,000; (2) the owner makes no additional purchase payments or withdrawals; (3) all Contract Value is allocated to the prescribed Investment Strategy at all times; (4) the contract earns a net return of 0%; (5) the benefit base is reset on each contract anniversary; (6) the Annuity Commencement Date is the third contract anniversary; (7) the guaranteed payment floor percentage is 7%; (8) the 12 month, period certain, single payment immediate annuity rate is 0%; and (9) there is no premium tax. On the Annuity Commencement Date, the income base is set equal to the benefit base.

Additional Monthly Death Annual Level Guaranteed Proceeds Annuity Income Income Payment Monthly Adjustment (Beginning Year Amount Amount Floor Income Account of Year) --------------------------------------------------------------- 1 $6,517 $543 $583 $583 $ 483 $100,000 2 6,266 522 583 583 1,217 93,000 3 6,025 502 583 583 2,191 86,000 4 5,794 483 583 583 3,398 79,000 5 5,571 464 583 583 4,827 72,000 ---------------------------------------------------------------

The annual income amount for annuity year 1 is determined by multiplying the Contract Value by a payment rate (in this example, $100,000 x .06517 = $6,517). The level income amount is determined by dividing the annual income amount by 12. In this example, for annuity year 1, the level income amount is $543 ($6,517 / 12). The guaranteed payment floor is determined by multiplying the income base by the guaranteed payment floor percentage and dividing that product by 12 (in this example, ($100,000 x .07) / 12 = $583). Monthly income is the greater of the guaranteed payment floor and the level income amount, which, for annuity year 1, is the greater of $583 and $543. The additional death proceeds equal to the income base minus the sum of all monthly income paid. 148 This next examples assumes that: (1) the owner purchases the contract for $100,000; (2) the owner makes no additional purchase payments or withdrawals; (3) all Contract Value is allocated to the prescribed Investment Strategy at all times; (4) the contract earns a net return of 8%; (5) the benefit base is reset on the first contract anniversary; (6) the Contract Value at the end of the first contract year is $108,000; (7) the Annuity Commencement Date is the first contract anniversary; (8) the guaranteed payment floor percentage is 7%; and (9) there is no premium tax.

Income Base, Less Commutation Charge, Less Annual Monthly Commutation Adjustment Monthly Income Commutation Annuity Income Income Base - Account - Paid - End of Value - Year Amount Paid End of Year End of Year Year End of Year ---------------------------------------------------------------------------- 1 $6,806 $7,560 $109,289 $ 754 $94,440 $94,440 2 7,068 7,560 110,399 1,246 86,880 86,880 3 7,340 7,560 111,304 1,466 79,320 79,320 4 7,622 7,560 111,977 1,404 72,760 72,760 5 7,915 7,560 112,386 1,049 66,200 66,200 6 8,220 7,560 112,500 389 62,640 62,640 ----------------------------------------------------------------------------

The commutation base at the end of annuity year 1 (contract year 2) is determined by multiplying the Contract Value at the end of the first contract year less the annual income amount for annuity year 1 by 1.08 (($108,000 - $6,806) x 1.08 = $109,289). The commutation value at the end of annuity year 1 is equal to the lesser of (i) the income base, less the commutation charge, less monthly income paid ($108,000 - 6% x $100,000 - $7,560 = $94,440) and (ii) the commutation base less the commutation charge, less the value of the adjustment account ($109,289 - 6% x $100,000 - $754 = $102,535). The commutation base at the end of annuity year 2 (contract year 3) is determined by multiplying the commutation base at the end of annuity year 1 less the annual income amount for annuity year 2 by 1.08 (($109,289 - $7,068) x 1.08 = $110,399). Beginning in annuity year 6 (contract year 7), the contract has no surrender charge and, therefore, the commutation value is not reduced by a commutation charge. The commutation value at the end of annuity year 6 is $62,640, which is equal to the lesser of (i) the income base less monthly income paid ($108,000 - $45,360 = $62,640) and (ii) the commutation base less the value of the adjustment account ($112,500 - $389 = $112,111). 149 Principal Protection Advantage Principal Protection Advantage provides for a guaranteed income benefit that is based on the amount of purchase payments you make to your contract. Under the rider, you will receive a series of monthly income payments (a "Payment Protection Plan") determined on the date you elect to take such payments (the "Income Start Date"). If you meet the conditions of the rider, as discussed more fully below, the amount of your monthly income payment, for each Payment Protection Plan, will have a guaranteed payment floor, and the guaranteed payment floor will not vary based on the market performance of the Subaccounts in which your assets are allocated. In addition, you will be eligible to receive at least the value of your purchase payments in monthly income or additional death proceeds, even if your Contract Value reduces to zero. Principal Protection Advantage is not available for contracts issued on or after May 1, 2007. Investment Strategy In order to receive the full benefit provided by this rider, you must invest all purchase payments and allocations in accordance with a prescribed Investment Strategy. If you do not allocate all assets in accordance with a prescribed Investment Strategy, your benefit will be reduced by 50%. Even if your benefit is reduced, you will continue to pay the full amount charged for the rider. Investment Strategies may change from time to time. You may allocate your assets in accordance with your Investment Strategy prescribed at the time the contract was issued, or in accordance with the Investment Strategy in effect at the time you reset your benefit. Therefore, you may have assets allocated to an Investment Strategy that is different than the Investment Strategy described in this prospectus. In addition, if you are taking income payments and still have Contract Value in the contract, you may have assets allocated to different Investment Strategies. Your ability to choose different Investment Strategies is limited, as described below. For contracts issued on or after May 1, 2007 and for contract owners who reset their benefit under the rider on or after May 1, 2007, the Investment Strategy includes Designated Subaccounts and Asset Allocation Model C. Under this Investment Strategy, contract owners may allocate assets to either Asset Allocation Model C or to one or more Designated Subaccounts. Contract owners may not allocate assets to Asset Allocation Model C and one or more Designated Subaccounts. For more information about Asset Allocation Model C and the Subaccounts comprising Asset Allocation Model C and the Designated Subaccounts, please see the "Subaccounts" and "Asset Allocation Program" provisions of this prospectus. On a monthly basis, we will rebalance your Contract Value to the Subaccounts in accordance with the percentages that you have chosen to invest in the Designated Subaccounts or in accordance with the allocations that comprise Asset Allocation Model C. In addition, we will also rebalance your Contract Value on any Valuation Day after any transaction involving a withdrawal, receipt of a purchase payment or a transfer of Contract Value, unless you instruct us otherwise. Shares of a Portfolio may become unavailable under the contract for new purchase payments, transfers, and asset rebalancing. As a result, shares of a Portfolio may also become unavailable under your Investment Strategy. Investment Strategies may be modified to respond to such events by removing unavailable Portfolios and adding new Portfolios as appropriate. Because such changes may affect your allocation instructions, you will need to provide updated allocation instructions to comply with the modified Investment Strategy. If you do not provide updated allocation instructions, any subsequent purchase payments or transfers requesting payment to an unavailable Portfolio will be considered not in good order. Periodic rebalancing to unavailable Portfolios will cease and any imbalances in percentages due to lack of asset rebalancing will not cause a reduction in your benefit. If you request a transfer or send a subsequent purchase payment with allocation instructions to a Portfolio that is not part of the prescribed Investment Strategy, we will honor your instructions. Please be aware, however, that your total Contract Value will not be invested in accordance with the prescribed Investment Strategy, and your benefit base will be reduced by 50%, resulting in a reduction in your benefit. At least 15 days prior to your next contract anniversary, you may elect to reset your benefit base, as described in the "Reset of Benefit Base" provision below, and to resume participation in the prescribed Investment Strategy available that time, provided we receive written notice of your election at our Home Office. If you elect to participate in the Investment Strategy, your benefit base will be reset to your Contract Value as of that contract anniversary. At that time, the charge for this rider will also be reset. The new charge, which may be higher than your previous charge, is guaranteed not to exceed an annual rate of 1.00%. The current Investment Strategy is as follows: (1) owners may allocate assets to the following Designated Subaccounts: AB Variable Products Series Fund, Inc. -- AB Balanced Wealth Strategy Portfolio -- Class B; 150 AIM Variable Insurance Funds (Invesco Variable Insurance Funds) -- Invesco V.I. Conservative Balanced Fund -- Series II shares (formerly, Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares); AIM Variable Insurance Funds (Invesco Variable Insurance Funds) -- Invesco V.I. Equity and Income Fund -- Series II shares; BlackRock Variable Series Funds, Inc. -- BlackRock Global Allocation V.I. Fund -- Class III Shares; Fidelity Variable Insurance Products Fund -- VIP Balanced Portfolio -- Service Class 2; Janus Aspen Series -- Janus Henderson Balanced Portfolio -- Service Shares; MFS(R) Variable Insurance Trust -- MFS(R) Total Return Series -- Service Class Shares; and/or State Street Variable Insurance Series Funds, Inc. -- Total Return V.I.S. Fund -- Class 3 Shares; OR (2) owners may allocate assets to Asset Allocation Model C. If, on the Income Start Date, you are allocating assets in accordance with the prescribed Investment Strategy and you later choose to allocate the value of Annuity Units without following the Investment Strategy, your income base will be reduced by 50% and the benefits you are eligible to receive under the rider will be reduced. However, if your benefit base was reduced due to not following the Investment Strategy and then not reset before your Income Start Date, this adjustment does not apply. On a monthly basis, we will rebalance the value of Annuity Units to the Subaccounts in accordance with the percentages that you have chosen for the Designated Subaccounts or in accordance with the allocations that comprises Asset Allocation Model C. Benefit Base and Income Base Benefit base is used to calculate income base. Income base is used to calculate the guaranteed amount of monthly income for a Payment Protection Plan. Income base is also used to calculate any additional death proceeds. If benefit base or income base is reduced, the benefits you are eligible for under this rider also will be reduced. The initial benefit base is equal to the sum of all purchase payments received on the Contract Date. The benefit base remains in effect until adjusted as described below. If you have allocated assets in accordance with the prescribed Investment Strategy from the later of the Contract Date and the date on which benefit base was reset as described in the "Reset of Benefit Base" provision below, any additional purchase payments applied will be added to the benefit base on the prior Valuation Day. Important Note. We reserve the right to exclude additional purchase payments from being applied to the benefit base. As a result, it is possible that you would not be able to make subsequent purchase payments after the initial purchase payment to take advantage of the benefits provided by Principal Protection Advantage that would be associated with such additional purchase payments. For example, since your benefit base would not be increased for such subsequent purchase payments, the monthly income payments associated with such purchase payments would not have a guaranteed payment floor and such purchase payments would not increase the income base for purposes of calculating the amount of any additional death proceeds. In addition, if you make purchase payments that are not included in the calculation of your benefit base, you will pay a higher rider charge to the extent that the purchase payments increase the Contract Value upon which the charge is imposed. Also, to the extent your Contract Value is increased by such purchase payments, you are less likely to realize any benefit under Principal Protection Advantage, because it is less likely that your Contract Value will be less than the benefit base or income base, as applicable. Before making purchase payments that do not increase the benefit base, you should consider that: (i) the guaranteed payment floor, additional death proceeds, and other guarantees provided by this rider will not reflect such purchase payments; (ii) any such purchase payments make it less likely that you will receive any such benefits even if your Contract Value has declined; and (iii) this rider may not make sense for you if you intend to make purchase payments that will not increase the benefit amount. If your benefit base was reduced due to not following the Investment Strategy and then not reset on your next contract anniversary, any additional purchase payments applied will be reduced by 50%, and then will be added to the benefit base on the prior Valuation Day. We reserve the right to exclude additional purchase payments from being applied to the benefit base. 151 All withdrawals, including any surrender charges and any premium tax assessed, reduce the benefit base. The new benefit base is equal to (a) multiplied by (b) divided by (c), where: (a) is the benefit base on the prior Valuation Day, adjusted for any additional purchase payments received; (b) is the Contract Value following the withdrawal; and (c) is the Contract Value before the withdrawal. On the Income Start Date, benefit base is converted to income base. Any withdrawal that occurs on the Income Start Date will be processed before benefit base is converted to income base. If the portion of Contract Value applied to a Payment Protection Plan to provide for monthly income (the "Income Start Value") is equal to the total Contract Value, 100% of the benefit base is converted into income base. Otherwise only a portion of the benefit base is converted to income base. The new benefit base is equal to (a) multiplied by (b) divided by (c), where: (a) is the benefit base on the prior Valuation Day, adjusted for any partial withdrawals; (b) is the Contract Value following the conversion; and (c) is the Contract Value before the conversion. The income base allocated to each Payment Protection Plan is equal to (a) multiplied by (b) divided by (c), where: (a) is the benefit base on the prior Valuation Day, adjusted for partial withdrawals; (b) is the Income Start Value; and (c) is the Contract Value before the conversion of benefit base to income base. Reset of Benefit Base. You may choose to reset your benefit base on any contract anniversary. If you do, as of that date (or if that date occurs on a day that is not a Valuation Day, on the next Valuation Day), we will: . reset the benefit base to your Contract Value; . reset the charge for this rider (the new charge, which may be higher than your previous charge, is guaranteed never to exceed an annual rate of 1.00%); and . reset the Investment Strategy to the current Investment Strategy. You must wait at least 36 months after the last of any reset of your benefit base before you may begin your monthly income. If on any contract anniversary any Annuitant is older than age 85, you may not reset your benefit base. You should carefully consider when to start taking income payments under a Payment Protection Plan if you elected Principal Protection Advantage. The longer you wait before beginning to take income payments, the more opportunities you may have to reset the benefit base and thereby potentially increase the amount of income payments. If you delay starting to take income payments too long, however, you may limit the number of years available for you to take income payments in the future (due to life expectancy) and you may be paying for a benefit you are not using. Monthly Income On the Income Start Date, we will begin making monthly income payments. The Income Start Date must be a contract anniversary and must occur at least 36 months after the latest of the Contract Date, the last reset of benefit base, or the date the last purchase payment is received. The Income Start Value will then be applied to a Payment Protection Plan. Beginning on the Income Start Date, monthly income will be calculated annually as of the first Valuation Day of each annuity year. An annuity year is the one-year period beginning on the Income Start Date or on the annual anniversary of the Income Start Date. If the first day of an annuity year does not begin on a Valuation Day, the next Valuation Day will be used in calculating the monthly income for that annuity year. Monthly income will not vary during an annuity year. The amount may increase or decrease from annuity year to annuity year. Monthly income will be paid to you over the life of the Annuitant unless you elect otherwise. If you are receiving monthly income, your contract will be deemed to have reached its Annuity Commencement Date on the day your Contract Value equals zero. If Contract Value is greater than zero, you may elect to transfer monthly income within the contract on a pro rata basis to the investment options in which Contract Value is then allocated. If you have elected to transfer monthly income within the contract and Contract Value falls to zero, the transfers of monthly income will end and monthly income will be paid to you. In that event, your contract will be deemed to have reached its Annuity Commencement Date on the day your Contract Value equaled zero. How Income Payments are Calculated Initial Income Payment. The initial annual income amount for each Payment Protection Plan is equal to (a) multiplied by (b), where: (a) is the payment rate based upon the gender(s) and settlement age(s) of the Annuitant(s) as shown in the rider, the Income Start Value and the income base as of the Income Start Date; and 152 (b) is the Income Start Value less any premium tax. For purposes of this rider only, the payment rates are based on the Annuity 2000 Mortality Table, using an assumed interest rate of 3%. These annuity rates may not be as favorable as the current rates we would use to calculate payments under the "Life Income with Period Certain" annuity payment option available under this contract on the Income Start Date, and your Contract Value on the Income Start Date would be higher than under this rider because there would be no associated rider charge. Accordingly, payments under such an annuity payment option may be greater than payments under this rider. However, payments under such an annuity payment option would not have a guaranteed payment floor. In addition, you would not be guaranteed to be eligible to receive such at least the value of your purchase payments in monthly income payments or additional death proceeds even if your Contract Value reduces to zero, although payments under life income with period certain annuity payment options may also provide certain death proceeds. You should carefully consider which annuity payment option is right for you. The initial monthly income is the greater of the level income amount and the guaranteed payment floor. We determine the level income amount by applying the annual income amount to a 12 month, period certain, single payment immediate annuity. The guaranteed payment floor is the guaranteed amount of each monthly income for a Payment Protection Plan. The guaranteed payment floor is equal to (a) multiplied by (b) divided by (c), where: (a) is the income base; (b) is the guaranteed payment floor percentage for the attained age of the single Annuitant or the younger of the Joint Annuitants on the Income Start Date; and (c) is 12. Subsequent Income Payments. The subsequent annual income amounts under the applicable Payment Protection Plan are determined by means of Annuity Units. The amount of any subsequent annual income amount may be greater or less than the initial payment. We guarantee that each subsequent payment will not be affected by variations in mortality experience from the mortality assumptions on which the first payment is based. The number of Annuity Units is determined by dividing the portion of the initial annual income amount attributable to that Subaccount by the Annuity Unit value for that Subaccount as of the Income Start Date. The dollar amount of each subsequent annual income amount is the sum of the payments from each Subaccount. The payment is determined by multiplying your number of Annuity Units in each Subaccount by the Annuity Unit value for that Subaccount as of the Valuation Day each annuity year starts. An adjustment account is established on the Income Start Date. The adjustment account tracks the difference between the level income amount and the guaranteed payment floor when the level income amount is less than the guaranteed payment floor. You will not receive monthly income above the guaranteed payment floor unless future performance of the underlying Subaccount(s) is sufficient to reduce the adjustment account to zero. Therefore, poor long-term performance of the underlying Subaccount(s) may result in monthly income equal to the guaranteed payment floor, even if the underlying Subaccount(s) performs well in a particular year. The value of the adjustment account will be the greater of (a) and (b), where: (a) is zero; and (b) is 12 times the guaranteed payment floor, minus 12 times the initial level income amount. The actual monthly income in subsequent annuity years is the greater of (a) and (b), where: (a) is the subsequent level income amount, minus any value in the adjustment account as of the date the last monthly income was made divided by 12; and (b) is the guaranteed payment floor. For monthly income in subsequent annuity years, the value of the adjustment account will be the greater of (a) and (b), where: (a) is zero; and (b) is the value of the adjustment account as of the date that the last monthly income was made, plus 12 multiplied by the actual subsequent monthly income, minus 12 multiplied by the subsequent level income amount. On the Income Start Date, if any monthly income payment would be $100 or less, we reserve the right to reduce the frequency of payments to an interval that would result in each amount being at least $100. If the annual amount is less than $100, we will pay you annually. Death Provisions The following provisions apply to the rider. Special Distribution Rules When an Owner Dies Before Monthly Income Starts. Spousal Continuation -- If the designated beneficiary is a surviving spouse who elects to continue the contract as the new owner and Annuitant, this rider will continue at the current benefit base, rider charge and Investment Strategy. Regardless of whether monthly income 153 had started, the preceding sentence will apply if Contract Value remains at the owner's death. On the next rider anniversary, the spouse may elect to reset the benefit base as described in the "Reset of Benefit Base" section above. If the designated beneficiary is a surviving spouse who does not elect to continue the contract as the new owner or is a non-spouse, this rider will terminate and proceeds under the contract must be distributed within five years of death. Special Distribution Rules When the Last Annuitant Dies On or After Monthly Income Starts. On the Income Start Date, the death benefit is adjusted. The new death benefit is (a) multiplied by (b) divided by (c), where: (a) is the death benefit prior to the conversion of benefit base to income base; (b) is the Contract Value after the conversion; and (c) is the Contract Value before the conversion. If the last surviving Annuitant dies after an Income Start Date, there may be additional death proceeds paid under this rider to the designated beneficiary in a lump sum. Under each Payment Protection Plan, the amount of any additional death proceeds will be the greater of (a) and (b), where: (a) is (i) minus (ii), where: (i) is the income base less any premium tax; (ii) is the sum of all monthly income paid; and (b) is zero. When this Rider is Effective The effective date of the rider is the Contract Date. This rider may not be terminated. Ownership and Change of Ownership We must approve any assignment or sale of this contract unless the assignment is made pursuant to a court order. If you marry after issue, you may add your spouse as a joint owner and Joint Annuitant or as a Joint Annuitant only, subject to Home Office approval. For purposes of this rider: . a non-natural owner must name an Annuitant and may name a Joint Annuitant; . a natural individual owner must also be an Annuitant; and . if there is only one natural owner, that owner may name his or her spouse as a Joint Annuitant. . under federal tax law, all contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Civil union partners are not permitted to continue the contract without taking required distributions upon the death of an owner. Therefore, even if named a joint owner/Joint Annuitant, a civil union partner will have to take required distributions upon the death of the other joint owner/Joint Annuitant. See the "Distribution Rules" provision of this prospectus. If this situation applies to you, you should consult a tax adviser. 154 Example The following example shows how Principal Protection Advantage works based on hypothetical values. The example is for illustrative purposes only and is not intended to depict investment performance of the contract and, therefore, should not be relied upon in making a decision to invest in the rider or contract. The example assumes that an owner purchases the contract with a male Annuitant, age 65, at the time of issue. In addition, the example assumes that: (1) the owner purchases the contract for $100,000; (2) the owner makes no additional purchase payments or withdrawals; (3) all Contract Value is allocated to the prescribed Investment Strategy at all times; (4) the contract earns a net return of 0%; (5) the Income Start Date is the third contract anniversary; (6) the guaranteed payment floor percentage is 5%; and (7) the 12 month, period certain, single payment immediate annuity rate is 0%. On the Income Start Date, Contract Value of $100,000 is converted to Income Start Value and benefit base of $100,000 is converted to income base.

Additional Monthly Death Annual Level Guaranteed Proceeds Annuity Income Income Payment Monthly Adjustment (Beginning Year Amount Amount Floor Income Account of Year) --------------------------------------------------------------- 1 $6,373 $531 $417 $531 $0 $100,000 2 6,188 516 417 516 0 93,627 3 6,008 501 417 501 0 87,439 4 5,833 486 417 486 0 81,431 5 5,663 472 417 472 0 75,599 ---------------------------------------------------------------

The annual income amount for annuity year 1 is determined by multiplying the Income Start Value by a payment rate (in this example, $100,000 x .06373 = $6,373). The monthly level income amount is determined by dividing the annual income amount by 12. In this example, for annuity year 1, the monthly level income amount is $531 ($6,373 /12). The guaranteed payment floor is determined by multiplying the income base by the guaranteed payment floor percentage and dividing that product by 12 (in this example ($100,000 x .05) /12 = $417). Monthly income is the greater of the guaranteed payment floor and the monthly level income amount, which, for annuity year 1, is the greater of $417 and $531. The additional death benefit is the income base minus the sum of all monthly income paid. 155 Tax Treatment of Principal Protection Advantage Monthly income payments allocated to investment options under the contract and other transfers to investment options are generally not subject to tax. However, for purposes of reporting the taxable amount of withdrawals, income on the contract is determined using the entire contract value, including the value of any annuitized segment allocating monthly income payments to investment options. You may not elect to have monthly income payments paid to you and then later direct that they be allocated to investment options under the contract. Monthly income payments from less than the entire Contract Value will not be treated as withdrawals for federal income tax purposes, if certain conditions are satisfied. To be treated as monthly income payments (instead of as a series of withdrawals), income payments from less than the entire Contract Value must be taken for one or more lives or a fixed period of at least 10 years. Lifetime income with a period certain of any duration would qualify. In that case, a pro-rata portion of your "investment in the contract" will be allocated to the income payments. The tax treatment of such income payments is the same as that for income payments received on or after the Annuity Commencement Date, as described below. If monthly income payments are taken from less than the entire Contract Value and you subsequently direct that they be allocated to investment options under the contract, the tax treatment of payments before or after such allocation is uncertain. Monthly income payments you receive on or after the Annuity Commencement Date (i.e., from the entire Contract Value) will be subject to tax as income payments. A portion of each payment will be treated as nontaxable recovery of your "investment in the contract" (see above) and the remainder will be taxed at ordinary income tax rates. We will notify you annually of the taxable amount of your income payments. Once you have recovered the total amount of your "investment in the contract," you will pay tax on the full amount of your income payments. If income payments cease because of the death of the Annuitant(s) and before the total amount of the "investment in the contract" has been recovered, the unrecovered amount generally will be deductible. Persons intending to purchase Principal Protection Advantage in connection with a qualified retirement plan should obtain advice from a tax adviser. For further information on the tax treatment of partial withdrawals and income payments, see the "Tax Matters" provision of this prospectus. TAX MATTERS Introduction This part of the prospectus discusses the federal income tax treatment of the contract. The federal income tax treatment of the contract is complex and sometimes uncertain. The federal income tax rules may vary with your particular circumstances. This discussion is general in nature and is not intended as tax advice. It does not address all of the federal income tax rules that may affect you and your contract. This discussion also does not address other federal tax consequences, or state or local tax consequences, associated with a contract. As a result, you should always consult a tax adviser about the application of tax rules to your individual situation. Taxation of Non-Qualified Contracts This part of the discussion describes some of the federal income tax rules applicable to Non-Qualified Contracts. A Non-Qualified Contract is a contract not issued in connection with a qualified retirement plan receiving special tax treatment under the Code, such as an individual retirement annuity or a Section 401(k) plan. Tax deferral on earnings. The federal income tax law generally does not tax any increase in an owner's Contract Value until there is a distribution from the contract. However, certain requirements must be satisfied in order for this general rule to apply, including: . an individual must own the contract (or the tax law must treat the contract as owned by an individual); . the investments of the Separate Account must be "adequately diversified" in accordance with Internal Revenue Service ("IRS") regulations; . the owner's right to choose particular investments for a contract must be limited; and . the contract's Annuity Commencement Date must not occur near the end of the Annuitant's life expectancy. Contracts not owned by an individual -- no tax deferral and loss of interest deduction. As a general rule, the Code does not treat a contract that is owned by an entity (rather than an individual) as an annuity contract for federal income tax purposes. The entity owning the contract generally pays tax each year on the annual increase in Contract Value. Contracts issued to a corporation or a trust are examples of contracts where the owner is currently taxed on the contract's earnings. There are several exceptions to this rule. For example, the Code treats a contract as owned by an individual if the nominal owner 156 is a trust or other entity that holds the contract as an agent for an individual. However, this exception does not apply in the case of any employer that owns a contract to provide non-qualified deferred compensation for its employees. In the case of a contract issued after June 8, 1997 to a taxpayer that is not an individual, or a contract held for the benefit of an entity, the entity will lose its deduction for a portion of its otherwise deductible interest expenses. This disallowance does not apply if the nonnatural owner pays tax on the annual increase in the Contract Value. Entities that are considering purchasing the contract, or entities that will benefit from someone else's ownership of a contract, should consult a tax adviser. Investments in the Separate Account must be diversified. For a contract to be treated as an annuity contract for federal income tax purposes, the investments of the Separate Account must be "adequately diversified." The IRS has issued regulations that prescribe standards for determining whether the investments of the Separate Account, including the assets of each Portfolio in which the Separate Account invests, are adequately diversified. If the Separate Account fails to comply with these diversification standards, the owner could be required to pay tax for the year of such failure and each subsequent year on the untaxed income accumulated in the contract. Although we do not control the investments of all of the Funds, we expect that the Funds will comply with the IRS regulations so that the Separate Account will be considered "adequately diversified." Restrictions on the extent to which an owner can direct the investment of assets. In some circumstances, owners of variable contracts who possess excessive control over the investment of the underlying separate account assets may be treated as the owners of those assets and may be subject to tax currently on income and gains produced by those assets. Although published guidance in this area does not address certain aspects of the contract, we believe that the owner of a contract should not be treated as the owner of the Separate Account assets. We reserve the right to modify the contract to bring it into conformity with applicable standards should such modifications be necessary to prevent an owner of the contract from being treated as the owner of the underlying Separate Account assets. However, there is no assurance such efforts would be successful. Age at which income payments must begin. Federal income tax rules do not expressly identify a particular age by which income payments must begin. However, those rules do require that an annuity contract provide for amortization, through income payments of the contract's purchase payments and earnings. We believe that these rules are satisfied by providing guaranteed annuity purchase rates in the contract that the owner may exercise at any time after the first policy year. If income payments begin or are scheduled to begin at a date that the IRS determines does not satisfy these rules, interest and gains under the contract could be taxable each year as they accrue. No guarantees regarding tax treatment. We make no guarantees regarding the tax treatment of any contract or of any transaction involving a contract. However, the remainder of this discussion assumes that your contract will be treated as an annuity contract for federal income tax purposes and that the tax law will not impose tax on any increase in your Contract Value until there is a distribution from your contract. Partial withdrawals and surrenders. A partial withdrawal occurs when you receive less than the total amount of the contract's Surrender Value. In the case of a partial withdrawal, you will pay tax on the amount you receive to the extent your Contract Value before the partial withdrawal exceeds your "investment in the contract." (This term is explained below.) This income (and all other income from your contract) is ordinary income. The Code imposes a higher rate of tax on ordinary income than it does on capital gains. A surrender occurs when you receive the total amount of the contract's Surrender Value. In the case of a surrender, you will generally pay tax on the amount you receive to the extent it exceeds your "investment in the contract." Your "investment in the contract" generally equals the total of your purchase payments under the contract, reduced by any amounts you previously received from the contract that you did not include in your income. Your contract imposes charges relating to the death benefit, including any death benefit provided under an optional rider. It is possible that all or a portion of these charges could be treated as withdrawals from the contract. In the case of Systematic Withdrawals, the amount of each Systematic Withdrawal should be considered a distribution and taxed in the same manner as a partial withdrawal from the contract. Any withdrawals taken pursuant to one of the Guaranteed Minimum Withdrawal Benefit Rider Options are subject to tax as partial withdrawals. Distributions received before the Annuity Commencement Date pursuant to Guaranteed Income Advantage or Principal Protection Advantage may be subject to tax as partial withdrawals. See the "Tax Treatment of Guaranteed Income Advantage" and "Tax Treatment of Principal Protection 157 Advantage" provisions in the "Guaranteed Income Advantage" and "Principal Protection Advantage" sections of the prospectus, respectively. Assignments and pledges. The Code treats any assignment or pledge of (or agreement to assign or pledge) any portion of your Contract Value as a withdrawal of such amount or portion. Gifting a contract. If you transfer ownership of your contract -- without receiving full and adequate consideration -- to a person other than your spouse (or to your former spouse incident to divorce), you will pay tax on your Contract Value to the extent it exceeds your "investment in the contract." In such a case, the new owner's "investment in the contract" will be increased to reflect the amount included in your income. Taxation of income payments. The Code imposes tax on a portion of each income payment (at ordinary income tax rates) and treats a portion as a nontaxable return of your "investment in the contract." Withdrawals taken pursuant to one of the Guaranteed Minimum Withdrawal Benefit Rider Options are generally not taxed as income payments for federal income tax purposes. As discussed above, these payments should be considered distributions and taxed in the same manner as a partial withdrawal from the contract. We will notify you annually of the taxable amount of your income payment. Pursuant to the Code, you will pay tax on the full amount of your income payments once you have recovered the total amount of the "investment in the contract." If income payments cease because of the death of the Annuitant(s) and before the total amount of the "investment in the contract" has been recovered, the unrecovered amount generally will be deductible. If proceeds are left with us (Optional Payment Plan 4), they are taxed in the same manner as a surrender. The owner must pay tax currently on the interest credited on these proceeds. This treatment could also apply to Optional Payment Plan 3 depending on the relationship of the amount of the periodic payments to the period over which they are paid. Taxation of Cross Funded Annuity Contracts. You may authorize partial withdrawals from this annuity to be applied to satisfy the scheduled installments into the Scheduled Purchase Payment Variable Deferred Annuity. In that event, based on a Private Letter Ruling issued by the IRS on July 30, 2002 (PLR 200243047), we believe that the tax treatment set forth below will apply to Non-Qualified Contracts and we will report relevant transactions to the IRS on the basis that: (1) this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity will be aggregated and treated as a single annuity contract for tax purposes; (2) amounts transferred from this Funding Annuity to the Scheduled Purchase Payment Variable Deferred Annuity will not be treated as a taxable distribution, but instead as a non-taxable transfer of assets within a single variable deferred annuity contract; (3) if amounts are distributed from either this Funding Annuity or the Scheduled Purchase Payment Variable Deferred Annuity before the Annuity Commencement Date, such amounts will be taxed to the extent there is any aggregate gain in this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity; and (4) distributions from this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity beginning on the Annuity Commencement Date will be aggregated and taxed on a pro rata basis. A portion of each aggregate distribution on or after the Annuity Commencement Date will be treated as a non-taxable return of the aggregate investment in this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity and the remaining portion of such aggregate distribution will be treated as taxable, until all such aggregate investment in this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity has been recovered. After that, all distributions from this Funding Annuity and the Scheduled Purchase Payment Variable Deferred Annuity will be fully taxable. For Non-Qualified Contracts, if the Annuity Commencement Date of this Funding Annuity is changed so that this annuity and the Scheduled Purchase Payment Variable Deferred Annuity have different Annuity Commencement Dates, the resulting tax consequences will be uncertain and possibly less favorable than those set forth above. Except as otherwise required by law, transfers of assets between contracts with different Annuity Commencement Dates and different withdrawals of assets from such contracts will be treated as taxable withdrawals, with gain determined on an aggregate basis in accordance with Section 72(e)(11). Taxation of the death benefit. We may distribute amounts from your contract because of the death of an owner, a joint owner, or an Annuitant. The tax treatment of these amounts depends on whether the owner, joint owner, or Annuitant (or Joint Annuitant, if applicable) dies before or after the Annuity Commencement Date. 158 Taxation of Death Benefit if Paid Before the Annuity Commencement Date: . The death benefit is taxed to the designated beneficiary in the same manner as an income payment would have been taxed to the owner if received under an Optional Payment Plan. . If not received under an Optional Payment Plan, the death benefit is taxed to the designated beneficiary in the same manner as a surrender or a partial withdrawal would have been taxed to the owner, depending on the manner in which the death benefit is paid. Taxation of Death Benefit if Paid After the Annuity Commencement Date: . The death benefit is includible in income to the extent that it exceeds the unrecovered "investment in the contract." Penalty taxes payable on partial withdrawals, surrenders, or income payments. The Code may impose a penalty tax equal to 10% of the amount of any payment from your contract that is included in your gross income. The Code does not impose the 10% penalty tax if one of several exceptions applies. These exceptions include partial withdrawals and total surrenders or income payments that: . you receive on or after you reach age 59 1/2; . you receive because you became disabled (as defined in the tax law); . are received on or after the death of an owner; or . you receive as a series of substantially equal periodic payments (not less frequently than annually) made for the life (or life expectancy) of the taxpayer. Systematic Withdrawals may qualify for this last exception if structured in accordance with IRS guidelines. If they do, any modification of the Systematic Withdrawals, including additional withdrawals apart from the Systematic Withdrawals, could result in certain adverse tax consequences. In addition, purchase payments or transfers among the Subaccounts may result in payments not qualifying for this exception. Other exceptions may be applicable under certain circumstances and special rules may be applicable in connection with the exceptions enumerated above. You should consult a tax adviser with regard to exceptions from the penalty tax. Medicare Tax. Distributions from Non-Qualified Contracts will be considered "investment income" for purposes of the Medicare tax on investment income. Thus, in certain circumstances, a 3.8% tax may be applied to some or all of the taxable portion of distributions (e.g. earnings) to individuals whose income exceeds certain threshold amounts. Please consult a tax adviser for more information. Special rules if you own more than one contract. In certain circumstances, you may have to combine some or all of the Non-Qualified Contracts you own in order to determine the amount of an income payment, a surrender, or a partial withdrawal that you must include in income. For example: . if you purchase a contract offered by this prospectus and also purchase at approximately the same time an immediate annuity, the IRS may treat the two contracts as one contract; . if you purchase two or more deferred annuity contracts from the same life insurance company (or its affiliates) during any calendar year, the Code treats all such contracts as one contract for certain purposes. The effects of such aggregation are not clear. However, it could affect: . the amount of a surrender, a partial withdrawal or an income payment that you must include in income; and . the amount that might be subject to the penalty tax. Section 1035 Exchanges Under Section 1035 of the Code, the exchange of one annuity contract for another annuity contract generally is not taxed (unless cash is distributed). To qualify as a nontaxable exchange however, certain conditions must be satisfied, e.g., the obligee(s) under the new annuity contract must be the same obligee(s) as under the original contract. We do not permit an owner to partially exchange this contract for another annuity contract. If this contract has been purchased in whole or part by exchanging part of a life insurance or annuity contract, certain subsequent transactions may cause the IRS to retrospectively treat the partial Section 1035 exchange as taxable. We intend to administer the contract without regard to the partially exchanged funding contract and disclaim any responsibility for monitoring events that could cause the IRS to examine the completed partial Section 1035 exchange. Owners contemplating any transaction, involving this contract or a partially exchanged contract funding this contract, within six months of a partial Section 1035 exchange are strongly advised to consult a tax adviser. Upon the death of a non-spousal joint owner, the contract provides the surviving joint owner with the option of using the proceeds of this contract to purchase a separate annuity contract 159 with terms and values that are substantially similar to those of this contract. Exercise of this option will not qualify as a tax-free exchange under Section 1035. Beginning in 2010, the owner may exchange the contract under Section 1035 of the Code for a long-term care contract. We believe that the provisions of the Pension Protection Act of 2006 establishing annuity to long-term care Section 1035 exchanges would permit the owner to exchange a portion of the contract to pay the annual or other periodic premium for a long-term care contract issued by us or another insurance company. The IRS has issued limited guidance on such transactions, including on the allocation of basis that would be required to effect them. It is possible that the IRS could take a narrow view of the 2006 legislation and under certain circumstances treat partial Section 1035 exchanges to pay long-term care premiums as taxable withdrawals from the contract. Currently, we do not permit an owner to partially exchange this contract to purchase a long-term care contract or pay long-term care premiums. If all or a portion of the contract is used to purchase long-term care insurance in a Section 1035 exchange, the amount so used representing income on the contract would not be tax-deductible as a medical expense and the amount so used representing investment in the contract may not be tax-deductible as a medical expense. Any owner contemplating the use of the contract to fund long-term care insurance or long-term care expenses should consult a tax adviser. Qualified Retirement Plans We also designed the contracts for use in connection with certain types of retirement plans that receive favorable treatment under the Code. Contracts issued to or in connection with retirement plans that receive special tax treatment are called "Qualified Contracts." We may not offer all of the types of Qualified Contracts described herein in the future. Prospective purchasers should contact our Home Office for information on the availability of Qualified Contracts at any given time. The federal income tax rules applicable to qualified retirement plans are complex and varied. As a result, this prospectus makes no attempt to provide more than general information about use of the contract with the various types of qualified retirement plans. Persons intending to use the contract in connection with a qualified retirement plan should obtain advice from a tax adviser. The contract includes attributes such as tax deferral on accumulated earnings. Qualified retirement plans provide their own tax deferral benefit. The purchase of this contract as an investment of a qualified retirement plan does not provide additional tax deferral benefits beyond those provided in the qualified retirement plan. If you are purchasing this contract as a Qualified Contract, you should consider purchasing this contract for its death benefits, income benefits and other non-tax benefits. Please consult a tax adviser for information specific to your circumstances in order to determine whether this contract is an appropriate investment for you. Types of Qualified Contracts. The types of Qualified Contracts currently being offered include: . Traditional Individual Retirement Annuities (IRAs) permit individuals to make annual contributions of up to the lesser of a specified dollar amount for the year or the amount of compensation includible in the individual's gross income for the year. Certain employers may establish Simplified Employee Pensions (SEPs), which have higher contribution limits, on behalf of their employees. The Internal Revenue Service has not reviewed the contract for qualification as an IRA, and has not addressed in a ruling of general applicability whether death benefits such as those in the contract comport with IRA qualification requirements. . Roth IRAs permit certain eligible individuals to make non-deductible contributions to a Roth IRA. Distributions from a Roth IRA generally are not taxed, except that, once aggregate distributions exceed contributions to the Roth IRA, income tax and a 10% IRS penalty tax may apply to distributions made: (1) before age 59 1/2 (subject to certain exceptions); or (2) during the five taxable years starting with the year in which the first contribution is made to any Roth IRA. A 10% IRS penalty tax may apply to amounts attributable to a conversion from an IRA if they are distributed during the five taxable years beginning with the year in which the conversion was made. . Traditional individual retirement accounts and Roth individual retirement accounts have the same contribution limits and tax treatment of distributions as the corresponding type of individual retirement annuity, discussed above. The contract may be owned by the custodian or trustee of an individual retirement account established for the benefit of the Annuitant. Only the owner, acting through its authorized representative(s), may exercise contract rights. When held by an individual retirement account, the contract is not issued as an individual retirement annuity or administered as such by us. Annuitants must look to the custodian or trustee, as contract owner, for satisfaction of their rights to benefits under the terms of the individual retirement account. . Corporate pension and profit-sharing plans under Section 401(a) of the Code allow corporate employers to establish various types of retirement plans for 160 employees, and self-employed individuals to establish qualified plans ("H.R. 10 or Keough plans") for themselves and their employees. . 403(b) Plans allow employees of certain tax-exempt organizations and public schools to exclude from their gross income the purchase payments made, within certain limits, to a contract that will provide an annuity for the employee's retirement. Distributions of (1) salary reduction contributions made in years beginning after December 31, 1998; (2) earnings on those contributions; and (3) earnings on amounts held as of the last year beginning before January 1, 1989, are not allowed prior to age 59 1/2, severance from employment, death or disability. Salary reduction contributions (but not earnings) may also be distributed upon hardship, but would generally be subject to a 10% IRS penalty tax. For contracts issued after 2008, amounts attributable to nonelective contributions may be subject to distribution restrictions specified in the employer's 403(b) Plan. Under recent IRS regulations we are obligated to share information concerning certain contract transactions with the employer sponsoring the 403(b) plan in which the owner is participating and possibly other product providers. We generally are required to confirm, with your 403(b) plan sponsor or otherwise, that these transactions comply with applicable tax requirements and to decline requests that are not in compliance. Terms of qualified retirement plans and Qualified Contracts. The terms of a qualified retirement plan may affect your rights under a Qualified Contract. When issued in connection with a qualified retirement plan, we will amend a contract as generally necessary to conform to the requirements of the type of plan. However, the rights of any person to any benefits under qualified retirement plans may be subject to the terms and conditions of the plans themselves, regardless of the terms and conditions of the contract. In addition, we are not bound by the terms and conditions of qualified retirement plans to the extent such terms and conditions contradict the contract, unless we consent. Employer qualified plans. Qualified plans sponsored by an employer or employee organization are governed by the provisions of the Code and the Employee Retirement Income Security Act, as amended ("ERISA"). ERISA is administered primarily by the U.S. Department of Labor. The Code and ERISA include requirements that various features be contained in an employer qualified plan with respect to: participation; vesting; funding; nondiscrimination; limits on contributions and benefits; distributions; penalties; duties of fiduciaries; prohibited transactions; withholding; reporting and disclosure. In the case of certain qualified plans, if a participant is married at the time benefits become payable, unless the participant elects otherwise with written consent of the spouse, the benefits must be paid in the form of a qualified joint and survivor annuity. A qualified joint and survivor annuity is an annuity payable for the life of the participant with a survivor annuity for the life of the spouse in an amount that is not less than one-half of the amount payable to the participant during his or her lifetime. In addition, a married participant's beneficiary must be the spouse, unless the spouse consents in writing to the designation of a different beneficiary. There is much uncertainty regarding the application of these rules in the context of guaranteed withdrawal benefits such as those offered in optional riders to the contract. Consult a tax or legal adviser regarding these issues if an optional guaranteed withdrawal rider is being considered under a 401(a) or 403(b) plan. If this contract is purchased as an investment of a qualified plan, the owner will be either an employee benefit trust or the plan sponsor. Plan participants and beneficiaries will have no ownership rights in the contract. Only the owner, acting through its authorized representative(s) may exercise contract rights. Participants and beneficiaries must look to the plan fiduciaries for satisfaction of their rights to benefits under the terms of the qualified plan. Where a contract is purchased by an employer-qualified plan, we assume no responsibility regarding whether the contract's terms and benefits are consistent with the requirements of the Code and ERISA. It is the responsibility of the employer, plan trustee, plan administrator and/or other plan fiduciaries to satisfy the requirements of the Code and ERISA applicable to the qualified plan. This prospectus does not provide detailed tax or ERISA information. Various tax disadvantages, including penalties, may result from actions that conflict with requirements of the Code or ERISA, and the regulations pertaining to those laws. Federal tax laws and ERISA are continually under review by Congress. Any changes in the laws or in the regulations pertaining to the laws may affect the tax treatment of amounts contributed to employer qualified plans and the fiduciary actions required by ERISA. IRAs and Roth IRAs. The Code permits individuals to make annual contributions to IRAs of up to the lesser of a specified dollar amount for the year or the amount of compensation includible in the individual's gross income for the year. The contributions may be deductible in whole or in part, depending on the individual's income. The Code also permits certain eligible individuals to make non-deductible contributions to a Roth IRA in cash or as a rollover or transfer from another Roth IRA or other IRA. A rollover from or conversion of an IRA to a Roth IRA is generally subject to tax. You should consult a tax adviser before combining any converted amounts with any 161 other Roth IRA contributions, including any other conversion amounts from other tax years. The Internal Revenue Service has not reviewed the contract for qualification as an IRA, and has not addressed in a ruling of general applicability whether a death benefit provision such as the provision in this contract comports with IRA qualification requirements. We may, however, endorse the contract to satisfy the IRA or Roth IRA qualification rules and submit the endorsement to the IRS for approval as to form. If you purchased the contract with such an endorsement, the accompanying disclosure statement will indicate the status of the endorsement's approval under the IRS IRA Prototype Program. You will be the owner of a contract issued as an IRA or Roth IRA, and will be responsible for exercising your rights as owner in accordance with applicable tax rules, including limitations for contributions and distributions. The contract may also be held in an IRA custodial account or trust as an investment. In that event the custodian or trustee, with your cooperation, is responsible for satisfaction of the IRA qualification requirements. We have no responsibility beyond that pertaining to nonqualified contracts for contracts held in an IRA account or trust. The death benefit and Qualified Contracts. Pursuant to IRS regulations, IRAs and 403(b) plans may not invest in life insurance contracts. We do not believe that these regulations prohibit the death benefit, including that provided by any death benefit rider option, from being provided under the contracts when we issue the contracts as Traditional IRAs, Roth IRAs, SEPs or 403(b) plans. However, the law is unclear and it is possible that the presence of the death benefit under a contract issued as a Traditional IRA, Roth IRA, SEP or 403(b) plan could disqualify a contract and result in increased taxes to the owner. It is also possible that the death benefit could be characterized as an incidental death benefit. If the death benefit were so characterized, this could result in currently taxable income to purchasers. In addition, there are limitations on the amount of incidental death benefits that may be provided under qualified retirement plans, such as in connection with a Section 403(b) plan. Treatment of Qualified Contracts compared with Non-Qualified Contracts. Although some of the federal income tax rules are the same for both Qualified and Non- Qualified Contracts, many of the rules are different. For example: . the Code generally does not impose tax on the earnings under either Qualified or Non-Qualified Contracts until the earnings are distributed; . the Code does not limit the amount of purchase payments and the time at which purchase payments can be made under Non-Qualified Contracts. However, the Code does limit both the amount and frequency of purchase payments made to Qualified Contracts; . the Code does not allow a deduction for purchase payments made for Non-Qualified Contracts, but sometimes allows a deduction or exclusion from income for purchase payments made to a Qualified Contract; . Under most qualified retirement plans, the owner must begin receiving payments from the contract in certain minimum amounts by a certain date, generally April 1 of the calendar year following the calendar year in which the owner attains age 72 for Traditional IRAs and SEPs and April 1 of the calendar year following the later of the calendar year in which the employee (except for a 5 percent owner) retires or attains age 72 for other Qualified Contracts. The actuarial value of certain benefit guarantees, such as guaranteed withdrawal benefits, and certain death benefits may be included with the contract's cash value in determining the required minimum distribution amount. The presence of such living benefits and death benefits may require the owner to withdraw a larger amount each year than would be required based only on the contract value. We are required to annually determine and report to the owner the fair market value for traditional individual retirement annuities while the owner is alive. This computation is based in part on future economic performance and conditions and is made under the guidance of our actuarial department in accordance with income tax regulations and guidelines published by the Society of Actuaries. It is possible that, using different assumptions or methodologies, the amount required to be withdrawn would be more or less than the amount we report to you as the required minimum distribution. Roth IRAs do not require any distributions during the owner's lifetime. The death benefit under your contract and certain other benefits provided by the living benefit riders may increase the amount of the minimum required distribution that must be taken from your contract. The federal income tax rules applicable to qualified retirement plans and Qualified Contracts vary with the type of plan and contract. For example, federal tax rules limit the amount of purchase payments that can be made, and the tax deduction or exclusion that may be allowed for the purchase payments. These limits vary depending on the type of qualified retirement plan and the circumstances of the plan participant, e.g., the participant's compensation. 162 Amounts received under Qualified Contracts. Federal income tax rules generally include distributions from a Qualified Contract in your income as ordinary income. Purchase payments that are deductible or excludible from income do not create "investment in the contract." Thus, under many Qualified Contracts there will be no "investment in the contract" and you include the total amount you receive in your income. There are exceptions. For example, you do not include amounts received from a Roth IRA if certain conditions are satisfied. In addition, failure to comply with the minimum distribution rules applicable to certain qualified retirement plans, will result in the imposition of an excise tax. This excise tax generally equals 50% of the amount by which a minimum required distribution exceeds the actual distribution from the qualified retirement plan. Please note important changes to the required minimum distribution rules. Under IRAs and defined contribution retirement plans, most non-spouse beneficiaries will no longer be able to satisfy these rules by "stretching" payouts over life. Instead, those beneficiaries will have to take their post-death distributions within ten years. Certain exceptions apply to "eligible designated beneficiaries," which include disabled and chronically ill individuals, individuals who are ten or less years younger than the deceased individual, and children who have not reached the age of majority. This change applies to distributions to designated beneficiaries of individuals who die on and after January 1, 2020. Consult a tax adviser if you are affected by these new rules. Federal penalty taxes payable on distributions. The Code may impose a penalty tax equal to 10% of the amount of any payment from your Qualified Contract that is includible in your income. The Code does not impose the penalty tax if one of several exceptions apply. The exceptions vary depending on the type of Qualified Contract you purchase. For example, in the case of an IRA, exceptions provide that the penalty tax does not apply to a partial withdrawal, surrender, or annuity payment: . received on or after the owner reaches age 59 1/2; . received on or after the owner's death or because of the owner's disability (as defined in the tax law); . received as a series of substantially equal periodic payments (not less frequently than annually) made for the life (or life expectancy) of the taxpayer; or . received as reimbursement for certain amounts paid for medical care. These exceptions, as well as certain others not described here, generally apply to taxable distributions from other qualified retirement plans. However, the specific requirements of the exception may vary. On March 27, 2020, Congress passed the Coronavirus Aid, Relief and Economic Security Act (the "CARES Act"). Among other provisions, the CARES Act includes temporary relief from certain tax rules applicable to Qualifed Contracts, including rules related to required minimum distributions and retirement plan distributions. If you have been taking or plan to take distributions, including required minimum distributions, from an IRA or other qualified plan, you should consult with a tax adviser to determine how the CARES Act may impact your situation. Moving money from one Qualified Contract or qualified retirement plan to another. Rollovers and transfers: In many circumstances you may move money between Qualified Contracts and qualified retirement plans by means of a rollover or a transfer. Special rules apply to such rollovers and transfers. The IRS has re-examined a longstanding interpretation of the IRA rollover rules. Beginning in 2015, an IRA owner may make only one rollover in a 12 month period to avoid being taxed on distributions received during that period from all of his or her IRAs (including Roth IRAs). The rule does not apply to direct transfers between IRA issuers or custodians. If you have received an IRA distribution and are contemplating making a rollover contribution, you should consult a tax adviser. If you do not follow the applicable rules, you may suffer adverse federal income tax consequences, including paying taxes which you might not otherwise have had to pay. You should always consult a qualified tax adviser before you move or attempt to move assets between any Qualified Contract or plan and another Qualified Contract or plan. If your contract was issued pursuant to a 403(b) plan, we generally are required to confirm, with your 403(b) plan sponsor or otherwise, that surrenders or transfers you request comply with applicable tax requirements and to decline requests that are not in compliance. Direct rollovers: The direct rollover rules apply to certain payments (called "eligible rollover distributions") from Section 401(a) plans, Section 403(b) plans, H.R. 10 plans, and Qualified Contracts used in connection with these types of plans. The direct rollover rules do not apply to distributions from IRAs. The direct rollover rules require federal income tax equal to 20% of the taxable portion of an eligible rollover distribution to be withheld from the amount of the distribution, unless the owner elects to have the amount directly transferred to certain Qualified Contracts or plans. Certain restrictions apply to the ability to rollover any after-tax amounts. Prior to receiving an eligible rollover distribution from us, we will provide you with a notice explaining these requirements and the procedure for avoiding 20% withholding by electing a direct rollover. 163 IRA conversions: If this contract is issued as an IRA, you may convert the contract to a Roth IRA. If you do so, the fair market value of your contract will be treated as a distribution from your IRA. This fair market value will include the contract's cash value together with the actuarial value of certain benefit guarantees, such as guaranteed withdrawal benefits, and certain death benefits. This computation is based in part on future economic performance and conditions and is made under the guidance of our actuarial department in accordance with income tax regulations. The methodology followed is similar to that used to determine the actuarial value of such benefit guarantees for required minimum distribution purposes, as described above in the "Treatment of Qualified Contracts compared with Non-Qualified Contracts" section. We will determine and report the fair market value of your contract to you and the Internal Revenue Service to satisfy our reporting obligations using assumptions and calculation methodologies based on our interpretation of the Code. It is possible that, using different assumptions or methodologies, your actual tax liability would be more or less than the income reported by us. You should always consult a tax adviser before you convert an IRA to a Roth IRA. Disclosure Pursuant to Code and ERISA Requirements. The ongoing fees and expenses of the contracts and the charges you may pay when you surrender or take withdrawals from your contract, as well as the range of fees and expenses of the Portfolios that you will pay indirectly when your assets are allocated to the Portfolios, are discussed in the "Fee Tables" provision of the prospectus. More detail concerning each Portfolio's fees and expenses is included in the prospectus for each Portfolio. AssetMark is the investment adviser under the Asset Allocation Program, and a former affiliate of the Company. There is no direct fee for participation in the Asset Allocation Program. The Company may compensate GFWM for services it provides related to the Asset Allocation Program. The Company may receive fees from the investment adviser or distributor of a Portfolio for certain administrative and other services we provide to you or to the Portfolio relating to the allocation of your assets to the Portfolio, and the amount of these fees may vary from Portfolio to Portfolio. Furthermore, the Company or our affiliate Capital Brokerage Corporation may receive Rule 12b-1 fees in varying amounts from the Portfolios or their distributors for distribution and related services. Additional information on the fees payable to the Company and Capital Brokerage Corporation by the Portfolios and their advisers and distributors, including the range of such fees, is included in the "Subaccounts" provision of the prospectus. Additional information regarding the Asset Allocation Program and the potential conflicts of interest to which AssetMark is subject is included in the "Asset Allocation Program" provision of the prospectus. When you purchase a contract through a broker-dealer, the broker-dealer is paid a commission and may be paid a separate marketing allowance. The maximum aggregate amount of such compensation is 9.6% of a contract owner's aggregate purchase payments. The broker-dealer firm generally pays a portion of such commission to its representative who assisted you with the purchase, and that amount will vary depending on the broker-dealer and the individual representative. The Company has no agreement with any broker-dealer and any representative of a broker-dealer that limits the insurance and investment products or other securities they offer to those issued by the Company. By signing the application for the contract, you acknowledge receipt of these disclosures and approve the purchase of the contract, the Asset Allocation Program, and the investments made pursuant to the Asset Allocation Program. Federal Income Tax Withholding We will withhold and remit to the IRS a part of the taxable portion of each distribution made under a contract unless the distributee notifies us at or before the time of the distribution that he or she elects not to have any amounts withheld. In certain circumstances, federal income tax rules may require us to withhold tax. At the time you request a partial withdrawal or surrender, or income payment, we will send you forms that explain the withholding requirements. See the "Annuity Purchases by Nonresident Aliens and Foreign Corporations" section below for special withholding rules applicable to payees other than U.S. citizens or residents and to payments made overseas. State Income Tax Withholding If required by the law of your state, we will also withhold state income tax from the taxable portion of each distribution made under the contract, unless you make an available election to avoid withholding. If permitted under state law, we will honor your request for voluntary state withholding. Tax Status of the Company Under existing federal income tax laws, we do not pay tax on investment income and realized capital gains of the Separate Account. We do not anticipate that we will incur any federal income tax liability on the income and gains earned by the Separate Account. We, therefore, do not impose a charge for federal income taxes. If federal income tax law changes and we must pay tax on some or all of the income and gains earned by the Separate Account, we may impose a charge against the Separate Account to pay the taxes. 164 Federal Estate, Gift and Generation-Skipping Transfer Taxes While no attempt is being made to discuss in detail the Federal estate tax implications of the contract, a purchaser should keep in mind that the value of an annuity contract owned by a decedent and payable to a beneficiary who survives the decedent is included in the decedent's gross estate. Depending on the terms of the annuity contract, the value of the annuity included in the gross estate may be the value of the lump sum payment payable to the designated beneficiary or the actuarial value of the payments to be received by the beneficiary. Consult an estate planning advisor for more information. Under certain circumstances, the Code may impose a generation-skipping ("GST") tax when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations issued under the Code may require us to deduct the tax from your Contract, or from any applicable payment, and pay it directly to the IRS. The potential application of these taxes underscores the importance of seeking guidance from a qualified adviser to help ensure that your estate plan adequately addresses your needs and those of your beneficiaries under all possible scenarios. Definition of Spouse Under Federal Law The contract provides that upon your death, a surviving spouse may have certain continuation rights that he or she may elect to exercise for the contract's death benefit. All contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject. Annuity Purchases by Residents of Puerto Rico The IRS has announced that income received by residents of Puerto Rico under life insurance or annuity contracts issued by a Puerto Rico branch of a United States life insurance company is U.S.-source income that is generally subject to United States federal income tax. Annuity Purchases by Nonresident Aliens and Foreign Corporations The discussion above provides general information regarding U.S. federal income tax consequences to annuity purchasers that are U.S. citizens or residents. Purchasers (and beneficiaries) that are not U.S. citizens or residents will generally be subject to U.S. federal withholding tax on taxable distributions from annuity contracts at a 30% rate, unless a lower treaty rate applies. In addition, such purchasers may be subject to state and/or municipal taxes and taxes that may be imposed by the purchaser's country of citizenship or residence. Special withholding rules apply to entity purchasers (including foreign corporations, partnerships, and trusts) that are not U.S. residents. We reserve the right to make all payment due to owners or beneficiaries directly to such persons and shall not be obligated to pay any foreign financial institution on behalf of any individual. Prospective purchasers are advised to consult with a qualified tax adviser regarding U.S., state, and foreign taxation with respect to an annuity contract purchase. Foreign Tax Credits We may benefit from any foreign tax credits attributable to taxes paid by certain funds to foreign jurisdictions to the extent permitted under federal tax law. Changes in the Law This discussion is based on the Code, IRS regulations, and interpretations existing on the date of this prospectus. Congress, the IRS, and the courts may modify these authorities, however, sometimes retroactively. REQUESTING PAYMENTS To request a payment, you must provide us with notice in a form satisfactory to us. We will ordinarily pay any partial withdrawal or surrender proceeds from the Separate Account within seven days after receipt at our Home Office of a request in good order. We also will ordinarily make payment of lump sum death benefit proceeds from the Separate Account within seven days from the receipt of due proof of death and all required forms. We will determine payment amounts as of the end of the Valuation Period during which our Home Office receives the payment request or due proof of death and all required forms. In most cases, when we pay the death benefit in a lump sum, we will pay these proceeds to your designated beneficiary directly in the form of a check. We may also provide your designated beneficiary the option to establish an interest bearing draft account, called the "Secure Access Account," in the amount of the death benefit. 165 When establishing the Secure Access Account we will send the designated beneficiary a draft account book within seven days after we receive all the required documents, and the designated beneficiary will have immediate access to the account simply by writing a draft for all or any part of the amount of the death benefit payment. Any interest credited to amounts in the Secure Access Account is currently taxable to the designated beneficiary. The Secure Access Account is part of our General Account. It is not a bank account and it is not insured by the FDIC or any other government agency. As part of our General Account, it is subject to the claims of our creditors. We receive a benefit from all amounts left in the Secure Access Account. We require a positive election from the designated beneficiary to establish the Secure Access Account for the designated beneficiary. The Secure Access Account is not available in all states. We may discontinue offering the Secure Access Account at any time, for any reason and without notice. We will delay making a payment from the Subaccount or applying Subaccount value to a payment plan if: (1) the disposal or valuation of the Subaccount is not reasonably practicable because: . the SEC declares that an emergency exists (due to the emergency the disposal or valuation of the Separate Account's assets is not reasonably practicable); . the New York Stock Exchange is closed for other than a regular holiday or weekend; . trading is restricted by the SEC; or (2) the SEC, by order, permits postponement of payment to protect our owners. In addition, if, pursuant to SEC rules, a money market fund that a subaccount invests in suspends payment of redemption proceeds in connection with a liquidation of that fund, we will delay payment of any transfer, partial withdrawal, surrender, loan, or death benefit from the subaccount until the fund is liquidated. State law requires that we reserve the right to defer payments from the Guarantee Account for a partial withdrawal or surrender for up to six months from the date we receive your payment request at our Home Office. We also may defer making any payments attributable to a check or draft that has not cleared until we are satisfied that the check or draft has been paid by the bank on which it is drawn. If mandated under applicable law, we may be required to reject a purchase payment and/or block an owner's account and thereby refuse any requests for transfers, partial withdrawals, surrenders, or death benefits until instructions are received from the appropriate regulators. We also may be required to provide additional information about you or your account to government regulators. SALE OF THE CONTRACTS This contract is no longer offered or sold. However, the following section provides detail concerning the manner in which contracts were sold and the compensation arrangements applicable to those sales. Although certain compensation practices no longer apply (e.g., no commissions are paid in connection with new contract sales because such sales have been suspended), certain of the compensation practices remain relevant to in-force contracts. Most notably, selling firms continue to be compensated with respect to subsequent purchase payments made under the in-force contracts. We have entered into an underwriting agreement with Capital Brokerage Corporation ("Capital Brokerage Corporation") for the distribution and sale of the contracts. Pursuant to this agreement, Capital Brokerage Corporation serves as principal underwriter for the contracts, offering them on a continuous basis. Capital Brokerage Corporation is located at 6620 West Broad Street, Building 2, Richmond, Virginia 23230. Capital Brokerage Corporation will use its best efforts to sell the contracts, but is not required to sell any specific number or dollar amount of contracts. Capital Brokerage Corporation was organized as a corporation under the laws of the state of Washington in 1981 and is an affiliate of ours. Capital Brokerage Corporation is registered as a broker-dealer with the Securities and Exchange Commission under the Securities Exchange Act of 1934, as well as with the securities commissions in the states in which it operates, and is a member of the Financial Industry Regulatory Authority ("FINRA") (formerly, NASD, Inc.). Capital Brokerage Corporation offers the contracts through its registered representatives who are registered with FINRA and with the states in which they do business. More information about Capital Brokerage Corporation and the registered representatives is available at http://www.finra.org or by calling (800) 289-9999. You also can obtain an investor brochure from FINRA describing its Public Disclosure Program. Registered representatives with Capital Brokerage Corporation are also licensed as insurance agents in the states in which they do business and are appointed with the Company. Capital Brokerage Corporation also enters into selling agreements with an affiliated broker-dealer and unaffiliated broker-dealers to sell the contracts. The registered representatives of these selling 166 firms are registered with FINRA and with the states in which they do business, are licensed as insurance agents in the states in which they do business and are appointed with us. We pay compensation to Capital Brokerage Corporation for promotion and sales of the contracts by its registered representatives as well as by affiliated and unaffiliated selling firms. This compensation consists of sales commissions and other cash and non-cash compensation. The maximum commission we may pay for the sale of the contract is 11.0% of a contract owner's aggregate purchase payments. The maximum commission consists of three parts -- commissions paid to internal and external wholesalers of Capital Brokerage Corporation ("wholesalers" are individuals employed by the Company and registered with Capital Brokerage Corporation that promote the offer and sale of the contracts), commissions paid to the affiliated and unaffiliated brokerage firms ("selling firms") that employ the registered representative who sold your contract, and an amount paid to the selling firm for marketing allowances and other payments related to the sale of the contract. Wholesalers with Capital Brokerage Corporation each may receive a maximum commission of 1.4% of purchase payments. After commission is paid to the wholesalers of Capital Brokerage Corporation, a commission is then paid to the selling firm. A maximum commission of 8.6% of purchase payments is paid to the selling firm. The exact amount of commission paid to the registered representative who sold you your contract is determined by the brokerage firm that employs the representative. All selling firms receive commissions as described above based on the sale of, and receipt of purchase payments, on the contract. Unaffiliated selling firms receive additional compensation, including marketing allowances and other payments. The maximum marketing allowance paid to a selling firm on the sale of a contract is 1.0% of Contract Value. At times, Capital Brokerage Corporation may make other cash and non-cash payments to selling firms, as well as receive payments from selling firms, for expenses relating to the recruitment and training of personnel, periodic sales meetings, the production of promotional sales literature and similar expenses. These expenses may also relate to the synchronization of technology between the Company, Capital Brokerage Corporation and the selling firm in order to coordinate data for the sale and maintenance of the contract. In addition, registered representatives may be eligible for non-cash compensation programs offered by Capital Brokerage Corporation or an affiliated company, such as conferences, trips, prizes and awards. The amount of other cash and non-cash compensation paid by Capital Brokerage Corporation or its affiliated companies ranges significantly among the selling firms. Likewise, the amount received by Capital Brokerage Corporation from the selling firms ranges significantly. The commissions listed above are maximum commissions paid, and reflect situations where we pay a higher commission for a short period of time for a special promotion. No specific charge is assessed directly to contract owners or the Separate Account to cover commissions and other incentives or payments described above. We do, however, intend to recoup commissions and other sales expenses and incentives we pay through fees and charges deducted under the contract and any other corporate revenue. All commissions, special marketing allowances and other payments made or received by Capital Brokerage Corporation to or from selling firms come from or are allocated to the general assets of Capital Brokerage Corporation or one of its affiliated companies. Therefore, regardless of the amount paid or received by Capital Brokerage Corporation or one of its affiliated companies, the amount of expenses you pay under the contract does not vary because of such payments to or from such selling firms. Even though your contract costs are not determined based on amounts paid to or received from Capital Brokerage Corporation or the selling firm, the prospect of receiving, or the receipt of, additional cash or non-cash compensation as described above may create an incentive for selling firms and/or their registered representative to sell you this product versus another product with respect with which a selling firm does not receive additional compensation, or a lower level of additional compensation. You may wish to take such compensation arrangements, which may be referred to as "revenue sharing arrangements," into account when considering and evaluating any recommendation relating to the contracts. During 2020, 2019 and 2018, $31 million, $33.9 million and $37.7 million, respectively, was paid to Capital Brokerage Corporation for new purchase payments received. In 2020, 2019 and 2018, no underwriting commissions were paid to Capital Brokerage Corporation. This contract (RetireReady/SM/ Choice) is no longer offered or sold. ADDITIONAL INFORMATION Owner Questions The obligations to owners under the contracts are ours. Please direct your questions and concerns to us at our Home Office. 167 Return Privilege Within 10 days after you receive the contract (or such longer period as may be required by applicable law), you may cancel it for any reason by delivering or mailing it postage prepaid, to: Genworth Life and Annuity Insurance Company Annuity New Business 6610 West Broad Street Richmond, Virginia 23230 If you cancel your contract, it will be void. Unless state law requires that we return your purchase payments, the amount of the refund you receive will equal the Contract Value as of the Valuation Day our Home Office receives the returned contract plus any adjustments required by applicable law or regulation on the date we receive the contract, but without reduction for any surrender charge. If state law requires that we return your purchase payments, the amount of the refund will equal the purchase payments made less any partial withdrawals you previously made. In certain states, you may have more than 10 days to return the contract for a refund. State Regulation As a life insurance company organized and operated under the laws of the Commonwealth of Virginia, we are subject to provisions governing life insurers and to regulation by the Virginia Commissioner of Insurance. Our books and accounts are subject to review and examination by the State Corporation Commission of the Commonwealth of Virginia at all times. That Commission conducts a full examination of our operations at least every five years. Evidence of Death, Age, Gender, Marital Status or Survival We may require proof of the age, gender, marital status or survival of any person or persons before acting on any applicable contract provision. Records and Reports As presently required by the 1940 Act and applicable regulations, we are responsible for maintaining all records and accounts relating to the Separate Account. At least once each year, we will send you a report showing information about your contract for the period covered by the report. The report will show the total Contract Value and a breakdown of the assets in each Subaccount and the Guarantee Account. The report also will show purchase payments and charges made during the statement period. As discussed on the prospectus cover page, beginning January 1, 2021 we will no longer send you paper copies of shareholder reports for the Portfolios of the Funds offered under the contract ("Reports") unless you specifically request paper copies from us, and instead we will make the Reports available on a website. In addition you will receive a written confirmation when you make purchase payments, transfers, or take partial withdrawals. Other Information We have filed a Registration Statement with the SEC, under the Securities Act of 1933 as amended, for the contracts being offered by this prospectus. This prospectus does not contain all the information in the Registration Statement, its amendments and exhibits. Please refer to the Registration Statement for further information about the Separate Account, the Company, and the contracts offered. Statements in this prospectus about the content of contracts and other legal instruments are summaries. For the complete text of those contracts and instruments, please refer to those documents as filed with the SEC and available on the SEC's website at http://www.sec.gov. Exemption to File Periodic Reports The Company does not intend to file periodic reports required under the Securities Exchange Act of 1934 in reliance on the exemption provided by Rule 12h-7 thereunder. Unclaimed Property Every state has unclaimed property laws which generally declare annuity contracts to be abandoned after a period of inactivity of three to five years from the contract's maturity date or date the death benefit is due and payable. For example, if the payment of a death benefit has been triggered, but, if after a thorough search, we are still unable to locate the beneficiary of the death benefit, or the beneficiary does not come forward to claim the death benefit in a timely manner, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the beneficiary or the contract owner last resided, as shown on our books and records, or to our state of domicile. This "escheatment" is revocable, however, and the state is obligated to pay the death benefit if your beneficiary steps forward to claim it with the proper documentation. To prevent such escheatment, it is important that you update your beneficiary designations, including full names and complete addresses, if and as they change. Cybersecurity Because our variable product business is highly dependent upon the effective operation of our computer systems and those of 168 our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential customer information. Such systems failures and cyberattacks affecting us, any third party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us and your Contract Value. For instance, systems failures and cyberattacks may interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate Accumulation Unit values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers will avoid losses affecting your contract due to cyberattacks or information security breaches in the future. Natural and Man-Made Disasters We are also exposed to risks related to natural and man-made disasters and catastrophes, such as (but not limited to) storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts, any of which could adversely affect our ability to conduct business. A natural or man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability or willingness of our employees or the employees of our service providers to perform their job responsibilities. Even if our employees and the employees of our service providers are able to work remotely, those remote work arrangements could result in our business operations being less efficient than under normal circumstances and could lead to delays in our processing of contract-related transactions, including orders from contract owners. Catastrophic events may negatively affect the computer and other systems on which we rely, may interfere with our ability to receive, pick up and process mail, may interfere with our ability to calculate Contract Value, or may have other possible negative impacts. These events may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios underlying your contract to lose value. There can be no assurance that we or the Portfolios or our service providers will be able to successfully avoid negative impacts associated with natural and man-made disasters and catastrophes. We outsource certain critical business functions to third parties and, in the event of a natural or man-made disaster, rely upon the successful implementation and execution of the business continuity planning of such entities. While we monitor the business continuity activities of these third parties, successful implementation and execution of their business continuity strategies are largely beyond our control. If one or more of the third parties to whom we outsource such critical business functions experience operational failures, our ability to administer the contract could be impaired. Information Regarding the COVID-19 Pandemic. The COVID-19 pandemic has resulted in operational disruptions, as well as market volatility and general economic uncertainty. To address operational disruptions in connection with the COVID-19 pandemic, we have implemented business continuity plans so we can continue to provide services to our customers, even as many of our employees and the employees of our service providers continue to work remotely. While these efforts have been successful to date, we continue to be subject to risks that could negatively impact our operations, including system failure, mail delivery delays, unavailability of critical personnel due to illness or other reasons related to the pandemic, and disruptions to service providers. Significant market volatility and negative market returns have occurred during the COVID-19 pandemic. While we are confident in our ability to manage the financial risks related to the COVID-19 pandemic, the extent and duration of such risks cannot be predicted with certainty, and prolonged negative economic conditions could have a negative impact on our financial condition. It is possible these risks could impact our financial strength and claims-paying ability. Legal Proceedings We face the risk of litigation and regulatory investigations and actions in the ordinary course of operating our businesses, including the risk of class action lawsuits. Our pending legal and regulatory actions include proceedings specific to us and others generally applicable to business practices in the industries in which we operate. In our insurance operations, we are, have been, or may become subject to class actions and individual suits alleging, among other things, issues relating to sales or underwriting practices, payment of contingent or other sales commissions, claims payments and procedures, product design, product disclosure, administration, additional premium charges for premiums paid on a periodic basis, denial or delay of benefits, charging excessive or impermissible fees on products and recommending unsuitable products to customers. Plaintiffs in class action and other lawsuits against us may seek very large or indeterminate amounts, which may remain unknown for substantial periods of time. In our investment- 169 related operations, we are subject to litigation involving commercial disputes with counterparties. We are also subject to litigation arising out of our general business activities such as our contractual and employment relationships and securities lawsuits. In addition, we are also subject to various regulatory inquiries, such as information requests, subpoenas, books and record examinations and market conduct and financial examinations from state, federal and international regulators and other authorities. A substantial legal liability or a significant regulatory action against us could have an adverse effect on our business, financial condition and results of operations. Moreover, even if we ultimately prevail in the litigation, regulatory action or investigation, we could suffer significant reputational harm, which could have an adverse effect on our business, financial condition and results of operations. Lehman Brothers Special Financing, Inc. In Lehman Brothers Special Financing, Inc. v. Bank of America National Association, et al, in U.S. Bankruptcy Court, Southern District of New York, Lehman Brothers Special Financing, Inc. ("LBSF") seeks to recover from the Company, as a noteholder defendant, sums it received from a collateralized debt obligation ("CDO") note following the bankruptcy of Lehman Brothers Holdings, Inc. ("LBHI"), alleging that we and other unrelated noteholders (the "Defendant Group") were not entitled to the amounts received. On June 28, 2016, the Bankruptcy Court granted our motion to dismiss , the Bankruptcy Court's order became final and appealable on January 24, 2017 , and no claims remain against the Company. LBSF filed a notice of appeal on February 6, 2017. On March 14, 2018, the District Court affirmed the decision of the Bankruptcy Court. In a filing dated April 13, 2018, LBSF appealed the District Court's decision to the United States Court of Appeals for the Second Circuit. Oral argument occurred on June 26, 2019. On August 11, 2020, the Court of Appeals for the Second Circuit issued a decision affirming the dismissal of this case. Cost of Insurance Litigation In September 2018, we were named as a defendant in a putative class action lawsuit pending in the United States District Court for the Eastern District of Virginia captioned TVPX ARX INC., et al v. Genworth Life and Annuity Insurance Company, Case No. 3:18-cv-00637. Plaintiff seeks to represent life insurance policyholders, alleging unlawful and excessive cost of insurance ("COI") charges. The complaint asserts claims for breach of contract, alleging that we improperly considered non-mortality factors when calculating COI rates and failed to decrease COI charges in light of improved expectations of future mortality, and seeks unspecified compensatory damages, costs, and equitable relief. On October 29, 2018, we filed a Motion to Enjoin in the Middle District of Georgia, and a Motion to Dismiss and Motion to Stay in the Eastern District of Virginia. We moved to enjoin the prosecution of the Eastern District of Virginia action on the basis that it involves claims released in a prior nationwide class action settlement that was approved by the Middle District of Georgia. Plaintiff filed an amended complaint on November 13, 2018. On November 16, 2018, the Eastern District of Virginia court stayed the case for 60 days. On December 6, 2018, we moved the Middle District of Georgia for leave to file our counterclaim, which alleges that plaintiff breached the prior settlement agreement by filing its current action. On January 17, 2019, the Eastern District of Virginia court stayed the case for another 60 days or the date of the Middle District of Georgia's ruling on our motions, whichever comes earlier. A hearing on our Motion to Enjoin and Motion for Leave to file our counterclaim occurred on February 21, 2019. On March 15, 2019, the Middle District of Georgia granted our Motion to Enjoin and denied our Motion for Leave to file our counterclaim. As such, plaintiff is enjoined from pursuing its COI class action in the Eastern District of Virginia. On March 29, 2019, plaintiff filed a Notice of Appeal in the Middle District of Georgia, notifying the Court of its appeal to the United States Court of Appeals for the Eleventh Circuit from the Order granting our Motion to Enjoin. On March 29, 2019, we filed our Notice of Cross-Appeal in the Middle District of Georgia, notifying the Court of our cross-appeal to the Eleventh Circuit from the portion of the order denying our Motion for Leave to file our counterclaim. On April 8, 2019, the Eastern District of Virginia lifted the stay in the case and dismissed the case without prejudice, with leave for plaintiff to refile an amended complaint only if a final appellate court decision vacates the injunction and reverses the Middle District of Georgia's opinion. On May 21, 2019, plaintiff filed its appeal and memorandum in support in the Eleventh Circuit. We filed our response to plaintiff's appeal memorandum and our memorandum in support of our cross-appeal on July 3, 2019. Plaintiff filed its reply in support of its appeal and response to our cross-appeal on August 20, 2019, and we filed our reply memorandum in support of our cross-appeal on September 20, 2019. Plaintiff's appeal and our cross-appeal are now fully briefed and waiting for disposition by the Eleventh Circuit. The Eleventh Circuit Court of Appeals heard oral argument on plaintiff's appeal and our cross-appeal on April 21, 2020. On May 26, 2020, the Eleventh Circuit Court of Appeals vacated the Middle District of Georgia's order enjoining plaintiff's class action and remanded the case back to the Middle District of Georgia for further factual development as to whether we had altered how we calculate or charge COI since the McBride 170 settlement. The Eleventh Circuit Court of Appeals did not reach a decision on our counterclaim. We intend to continue to vigorously defend the dismissal of the action. On April 6, 2020, we were named as a defendant in a putative class action lawsuit filed in the United States District Court for the Eastern District of Virginia, captioned Brighton Trustees, LLC, et al v. Genworth Life and Annuity Insurance Company. On May 13, 2020, we were also named as a defendant in a putative class action lawsuit filed in the United States District Court for the Eastern District of Virginia captioned Daubenmier, et al v. Genworth Life and Annuity Insurance Company. On June 26, 2020, plaintiffs filed a consent motion to consolidate the two cases. On June 30, 2020, the United States District Court for the Eastern District of Virginia issued an order consolidating the Brighton Trustees and Daubenmier cases. On July 17, 2020, the Brighton Trustees and Daubenmier plaintiffs filed a consolidated complaint, alleging that we subjected policyholders to an unlawful and excessive COI increase. The consolidated complaint asserts claims for breach of contract and injunctive relief, and seeks damages in excess of $5 million. On August 31, 2020, we filed an answer to plaintiffs' consolidated complaint. The trial is scheduled to commence on April 1, 2022. We intend to vigorously defend this action. On January 21, 2021, we were named as a defendant in a putative class action lawsuit pending in the United States District Court for the District of Oregon captioned McMillan, et al , v. Genworth Life and Annuity Insurance Company, Case No. 1:21-cv-00091. Plaintiff seeks to represent life insurance policyholders with policies issued by Federal Home Life Insurance Company, which subsequently merged with the Company on January 1, 2007. Plaintiff alleges that we impermissibly calculated COI rates to be higher than that permitted by plaintiff's policy. The complaint asserts claims for breach of contract, conversion, and declaratory and injunctive relief, and seeks damages in excess of $5 million. On April 5, 2021, we filed an answer to plaintiff's complaint. We intend to vigorously defend this action. Unclaimed Property The West Virginia treasurer's office sued us and one of our affiliates, as well as other life insurers licensed in West Virginia, regarding alleged violations of unclaimed property requirements for West Virginia policies. We elected to participate in the early alternative dispute resolution procedure outlined in the trial court's post remand case management order and a first meeting to mediate the matter was held on February 1, 2017. On December 16, 2020, the parties settled this action for $120,000. North Carolina Audit On May 31, 2019, the Company and certain affiliates received draft audit reports from the North Carolina Department of Revenue that examined tax credits received for investing in certain renewal energy projects from the period beginning January 1, 2014 and ending December 31, 2016. The Department of Revenue alleges that these tax credits were improper transactions because the Genworth entities were not bona fide partners of the investor/promotor Stonehenge Capital Company, LLC. On July 15, 2019, we responded to the Department of Revenue, stating that we intend to contest the disallowance of the credits. On July 17, 2019, the Department of Revenue replied that their position regarding their audit conclusions has not changed and that they will proceed with finalizing the audit. On July 24, 2019, we received Notices of Proposed Adjustments and tax assessments for the Company and certain of the affiliates totaling $4.4 million from the Department of Revenue. On August 27, 2019, we submitted our NC-Form 242 Objection to these tax assessments. On December 5, 2019, we received Notices of Proposed Adjustments and tax assessments for the Company and Genworth Life Insurance Company totaling approximately $600,000. On January 14, 2020, we submitted our NC-Form 242 Objection to these tax assessments. We intend to continue to vigorously defend our position and any legal proceedings that may arise. At this time, we cannot determine or predict the ultimate outcome of any of the pending legal and regulatory matters specifically identified above or the likelihood of potential future legal and regulatory matters against us. Except as disclosed above, we also are not able to provide an estimate or range of reasonably possible losses related to these matters. Therefore, we cannot ensure that the current investigations and proceedings will not have a material adverse effect on our business, financial condition or results of operations. In addition, it is possible that related investigations and proceedings may be commenced in the future, and we could become subject to additional unrelated investigations and lawsuits. Increased regulatory scrutiny and any resulting investigations or proceedings could result in new legal precedents and industry-wide regulations or practices that could adversely affect our business, financial condition and results of operations. The Company shall, and may through insurance coverage, indemnify any directors or officers who are a party to any proceeding by reason of the fact that he or she was or is a director or officer of the Company against any liability incurred by him or her in connection with such proceeding unless he or she engaged in willful misconduct or a knowing violation of the criminal law or any federal or state securities law. Such 171 indemnification covers all judgments, settlements, penalties, fines and reasonable expenses incurred with respect to such proceeding. If the person involved is not a director or officer of the Company, the Company may indemnify, or contract to indemnify, to the same extent allowed for its directors and officers, such person who was, is or may become a party to any proceeding, by reason of the fact that he or she is or was an employee or agent of the Company, or is or was serving at the request of the Company as a director, officer, employee or agent of another corporation, partnership, joint venture, trust, employee benefit plan or other enterprise. Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Company pursuant to the foregoing provisions, or otherwise, the Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Company of expenses incurred or paid by a director, officer or controlling person of the Company in successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue. Capital Brokerage Corporation is not in any pending or threatened lawsuits that are reasonably likely to have a material adverse impact on us or on the Separate Account. Although it is not anticipated that these developments will have a material adverse impact on the Separate Account, on our ability to meet our obligations under the contracts, or on the ability of Capital Brokerage Corporation to perform under its principal underwriting agreement, there can be no assurance at this time. 172 APPENDIX A Examples of the Available Death Benefits Basic Death Benefit The purpose of this example is to show how the Basic Death Benefit works based on purely hypothetical values and is not intended to depict investment performance of the contract. Example: Assuming an owner: (1) purchases a contract for $100,000; (2) makes no additional purchase payments and takes no partial withdrawals; (3) is not subject to premium taxes; and (4) the Annuitant is age 75 on the Contract Date then:

Annuitant's End of Contract Basic Age Year Value Death Benefit ----------------------------------------- 76 1 $103,000 $103,000 77 2 112,000 112,000 78 3 90,000 100,000 79 4 135,000 135,000 80 5 130,000 130,000 81 6 150,000 150,000 82 7 125,000 125,000 83 8 145,000 145,000 -----------------------------------------

Partial withdrawals (including partial withdrawals taken for purposes of allocation to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program, as well as partial withdrawals taken pursuant to the terms of a Guaranteed Minimum Withdrawal Benefit Rider Option) will reduce the Basic Death Benefit by the proportion that the partial withdrawal (including any applicable surrender charge and any premium tax assessed) reduces your Contract Value. For example:

Purchase Contract Basic Date Payment Value Death Benefit --------------------------------------- 3/31/09 $20,000 $20,000 $20,000 3/31/17 20,000 20,000 3/31/18 14,000 20,000 ---------------------------------------

If a partial withdrawal of $7,000 is made on March 31, 2018, the Basic Death Benefit immediately after the partial withdrawal will be $10,000 ($20,000 to $10,000) since the Contract Value is reduced 50% after the partial withdrawal ($14,000 to $7,000). This is true only if the Basic Death Benefit immediately prior to the partial withdrawal (as calculated above) is not the Contract Value on the date we receive due proof of the Annuitant's death. It also assumes that no surrender charge applies, and that no premium tax applies to the partial withdrawal. This example is based on purely hypothetical values and is not intended to depict investment performance of the contract. Annual Step-Up Death Benefit Rider Option The following example shows how the Annual Step-Up Death Benefit works based on hypothetical values. It is not intended to depict investment performance of the contract. The example assumes that an owner purchases a contract with an Annuitant age 75 at the time of issue. In addition, the example assumes that: (1) the owner purchases the contract for $100,000; (2) the owner makes no additional purchase payments; (3) the owner takes no partial withdrawals; then

End of Annuitant's Contract Death Benefit Year Age Value Amount ----------------------------------------- 1 76 $103,000 $103,000 2 77 112,000 112,000 3 78 90,000 112,000 4 79 135,000 135,000 5 80 130,000 135,000 6 81 150,000 135,000 7 82 125,000 135,000 8 83 145,000 135,000 -----------------------------------------

Partial withdrawals (including partial withdrawals taken for purposes of allocation to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program, as well as partial withdrawals taken pursuant to the terms of a Guaranteed Minimum Withdrawal Benefit Rider Option) will reduce the Annual Step-Up Death Benefit by the proportion that the partial withdrawal (including any surrender charge and any premium tax assessed) reduces your Contract Value. 5% Rollup Death Benefit Rider Option The following example shows how the 5% Rollup Death Benefit Rider Option works based on hypothetical values. It is not intended to depict investment performance of the contract. The example assumes that an owner purchases a contract with an Annuitant age 70 at the time of issue. In addition, the example assumes that: (1) the owner purchases the contract for $100,000; (2) the contract earns a 0% net return (-3.05% net of fees for the mortality and expense risk charge, A-1 administrative expense charge, underlying portfolio expenses and the 5% Rollup Death Benefit Rider Option); (3) the owner makes no additional purchase payments; (4) the owner takes annual partial withdrawals equal to 5% of purchase payments at end of the contract year; and (5) the contract is not subject to premium taxes.

Partial End of Annuitant's Withdrawal Contract 5% Rollup Year Age Amount Value Death Benefit ---------------------------------------------------- 0 70 $ 0 $100,000 $100,000 1 71 5,000 95,000 100,000 2 72 5,000 90,000 100,000 3 73 5,000 85,000 100,000 4 74 5,000 80,000 100,000 5 75 5,000 75,000 100,000 6 76 5,000 70,000 100,000 7 77 5,000 65,000 100,000 8 78 5,000 60,000 100,000 9 79 5,000 55,000 100,000 ----------------------------------------------------

Partial withdrawals (including partial withdrawals taken for purposes of allocation to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program) amounting to 5% or less of purchase payments annually will reduce the 5% Rollup Death Benefit on a non pro- rata (dollar-for-dollar) basis. Therefore, in the example above, though a $5,000 partial withdrawal is taken at the end of year 1, the 5% Rollup Death Benefit immediately after the partial withdrawal is still equal to $100,000 since the benefit is reduced only by the same dollar amount of the partial withdrawal. Partial withdrawals (including partial withdrawals taken for purposes of allocation to a Scheduled Purchase Payment Variable Deferred Annuity through an approved Annuity Cross Funding Program) exceeding 5% of purchase payments in any year will reduce the 5% Rollup Death Benefit on a pro-rata basis by the proportion that the partial withdrawal, including any surrender charges, and any premium taxes assessed, reduces your Contract Value. All partial withdrawals that exceed the 5% threshold will reduce the 5% Rollup Death Benefit on a pro-rata basis. For example:

5% Rollup 5% Rollup Death Benefit Death Option Benefit Before Any Option After Purchase Partial Contract Partial the Partial Date Payment Withdrawal Value Withdrawals Withdrawals ----------------------------------------------------------------- 3/31/2009 $10,000 $ 0 $10,000 $10,000 $10,000 3/31/2017 0 20,000 14,775 14,775 3/31/2018 7,000 14,000 15,513 7,785 -----------------------------------------------------------------

Therefore, if a $7,000 partial withdrawal is taken on March 31, 2018, $500 (5% of $10,000) will reduce the 5% Rollup Death Benefit on a non pro-rata (dollar-for-dollar) basis, to $15,013 ($15,513-$500). The remaining $6,500 of the partial withdrawal will reduce the 5% Rollup Death Benefit immediately after the partial withdrawal to $7,785 ($15,013 -- the 5% Rollup Death Benefit, multiplied by 51.85% -- 1 minus the ratio of the partial withdrawal ($6,500) to the Contract Value ($13,500), after reducing each by $500). Earnings Protector Death Benefit Rider Option The following example shows how the Earnings Protector Death Benefit works based on purely hypothetical values. It is not intended to depict investment performance of the contract. This example assumes an owner purchases a contract with an Annuitant age 65 at the time of issue, and that he or she takes no partial withdrawals before the Annuitant's death.

Purchase Contract Death Earnings Protector Date Payment Value Gain Benefit Death Benefit -------------------------------------------------------------- 8/01/09 $100,000 $100,000 $ 0 $100,000 $ 0 8/01/24 300,000 200,000 300,000 70,000 --------------------------------------------------------------

The Annuitant's death and notification of the death occur on August 1, 2024. At that time, 40% of the earnings or "gain" ($200,000) is $80,000. However, since the Earnings Protector Death Benefit under this age scenario cannot exceed 70% of the purchase payments ($100,000) under this age scenario, the Earnings Protector Death Benefit in this example will be $70,000. A-2 APPENDIX B Condensed Financial Information The value of an Accumulation Unit is determined on the basis of changes in the per share value of the Portfolios and the assessment of Separate Account charges. The Accumulation Unit Values and the number of Accumulation Units outstanding for each Subaccount for the periods shown are as follows: Guaranteed Income Advantage For contracts issued on or after May 1, 2003, or the date on which state insurance authorities approve applicable contract modifications but prior to April 29, 2005, or the date on which the state insurance authorities approve applicable contract modifications.

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $14.44 $15.48 0 2020 12.44 14.44 0 2019 13.55 12.44 0 2018 11.94 13.55 0 2017 11.65 11.94 0 2016 11.71 11.65 0 2015 11.14 11.71 0 2014 9.76 11.14 0 2013 8.77 9.76 0 2012 9.22 8.77 0 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $17.41 $23.76 0 2020 13.66 17.41 0 2019 15.47 13.66 0 2018 11.56 15.47 0 2017 11.88 11.56 2,483 2016 11.79 11.88 2,488 2015 11.47 11.79 3,430 2014 9.50 11.47 2,824 2013 8.55 9.50 3,731 2012 11.37 8.55 4,093 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $23.32 $23.46 728 2020 19.22 23.32 930 2019 20.80 19.22 1,038 2018 17.87 20.80 1,174 2017 16.39 17.87 1,571 2016 16.47 16.39 1,750 2015 15.35 16.47 2,843 2014 11.62 15.35 2,157 2013 10.10 11.62 2,735 2012 9.70 10.10 6,775 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $10.46 $10.49 3,491 2020 9.12 10.46 3,279 2019 12.07 9.12 3,313 2018 9.83 12.07 3,215 2017 10.10 9.83 3,364 2016 10.05 10.10 3,531 2015 10.94 10.05 4,113 2014 9.08 10.94 3,417 2013 8.10 9.08 5,462 2012 10.25 8.10 4,361 2011 ----------------------------------------------------------------------------------------------------------

B-1

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $33.07 $43.87 0 2020 25.08 33.07 0 2019 24.97 25.08 0 2018 19.32 24.97 0 2017 19.23 19.32 0 2016 17.68 19.23 0 2015 15.82 17.68 0 2014 11.76 15.82 0 2013 10.27 11.76 0 2012 10.87 10.27 0 2011 --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $28.24 $42.59 0 2020 21.16 28.24 0 2019 21.80 21.16 0 2018 16.60 21.80 0 2017 15.92 16.60 0 2016 16.48 15.92 0 2015 17.14 16.48 0 2014 12.02 17.14 666 2013 10.67 12.02 944 2012 10.43 10.67 1,259 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $23.01 $30.77 424 2020 17.26 23.01 495 2019 18.70 17.26 599 2018 15.06 18.70 2,777 2017 15.72 15.06 4,601 2016 15.51 15.72 4,699 2015 13.73 15.51 4,792 2014 10.81 13.73 3,865 2013 9.68 10.81 4,670 2012 10.00 9.68 7,716 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $13.24 $14.89 0 2020 11.51 13.24 0 2019 12.42 11.51 2,652 2018 11.61 12.42 2,663 2017 11.27 11.61 2,674 2016 11.42 11.27 2,684 2015 10.77 11.42 4,500 2014 9.72 10.77 4,707 2013 8.84 9.72 4,830 2012 8.97 8.84 5,256 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $26.86 $36.97 0 2020 Series II Shares 19.68 26.86 0 2019 21.41 19.68 0 2018 16.98 21.41 0 2017 16.95 16.98 0 2016 16.23 16.95 30 2015 15.67 16.23 87 2014 11.77 15.67 222 2013 10.33 11.77 1,070 2012 10.43 10.33 1,295 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-2

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $26.32 $32.90 2,104 2020 20.40 26.32 2,261 2019 24.00 20.40 3,735 2018 17.94 24.00 4,654 2017 18.30 17.94 6,569 2016 17.99 18.30 6,978 2015 17.96 17.99 9,346 2014 14.41 17.96 13,965 2013 12.14 14.41 16,647 2012 13.52 12.14 27,342 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $24.56 $27.41 1,254 2020 19.00 24.56 1,326 2019 21.06 19.00 5,420 2018 18.40 21.06 5,522 2017 16.84 18.40 5,631 2016 16.64 16.84 6,665 2015 15.36 16.64 6,787 2014 11.90 15.36 6,856 2013 10.40 11.90 8,260 2012 10.63 10.40 10,422 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $27.66 $32.48 2,885 2020 Series II Shares 22.35 27.66 2,963 2019 25.45 22.35 4,131 2018 22.76 25.45 4,283 2017 19.71 22.76 4,480 2016 21.38 19.71 4,910 2015 19.51 21.38 6,360 2014 14.14 19.51 8,440 2013 12.24 14.14 10,069 2012 12.78 12.24 12,419 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $22.86 $31.94 0 2020 17.03 22.86 0 2019 18.01 17.03 15 2018 14.41 18.01 15 2017 14.35 14.41 15 2016 13.92 14.35 16 2015 13.08 13.92 465 2014 9.51 13.08 3,328 2013 10.00 9.51 4,811 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $28.65 $39.93 0 2020 21.40 28.65 0 2019 22.69 21.40 0 2018 18.20 22.69 0 2017 18.17 18.20 0 2016 17.67 18.17 432 2015 16.65 17.67 443 2014 12.13 16.65 714 2013 10.90 12.13 840 2012 11.86 10.90 990 2011 --------------------------------------------------------------------------------------------------------------------------

B-3

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $22.66 $22.00 1,298 2020 18.48 22.66 1,409 2019 21.48 18.48 1,775 2018 18.62 21.48 1,983 2017 16.21 18.62 4,606 2016 17.61 16.21 5,988 2015 16.44 17.61 8,793 2014 12.35 16.44 15,950 2013 10.58 12.35 19,633 2012 11.01 10.58 23,876 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $19.62 $21.93 0 2020 15.50 19.62 0 2019 17.43 15.50 0 2018 15.69 17.43 0 2017 14.50 15.69 0 2016 15.68 14.50 0 2015 14.77 15.68 0 2014 11.64 14.77 1,303 2013 10.42 11.64 1,889 2012 10.62 10.42 2,215 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $16.69 $17.97 0 2020 14.17 16.69 0 2019 16.00 14.17 0 2018 14.71 16.00 0 2017 13.05 14.71 0 2016 13.65 13.05 8,900 2015 12.79 13.65 8,918 2014 10.43 12.79 0 2013 9.46 10.43 0 2012 9.76 9.46 0 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $20.54 $22.92 533 2020 16.32 20.54 565 2019 19.61 16.32 649 2018 16.28 19.61 684 2017 16.70 16.28 721 2016 17.47 16.70 779 2015 17.78 17.47 1,450 2014 15.26 17.78 2,056 2013 13.49 15.26 2,842 2012 14.78 13.49 2,895 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $15.10 $15.61 1,599 2020 11.82 15.10 1,859 2019 14.94 11.82 2,136 2018 12.98 14.94 2,300 2017 11.22 12.98 2,475 2016 12.79 11.22 2,765 2015 12.25 12.79 3,092 2014 9.36 12.25 5,499 2013 8.11 9.36 7,361 2012 8.55 8.11 8,749 2011 --------------------------------------------------------------------------------------------------------------------

B-4

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. ----------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.29 $13.22 1,322 2020 11.50 12.29 1,401 2019 12.06 11.50 1,611 2018 11.85 12.06 1,698 2017 11.56 11.85 1,789 2016 12.08 11.56 1,933 2015 11.92 12.08 2,039 2014 13.27 11.92 2,466 2013 12.59 13.27 3,491 2012 11.47 12.59 5,459 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $26.29 $30.87 0 2020 20.82 26.29 0 2019 22.73 20.82 0 2018 20.34 22.73 0 2017 16.79 20.34 0 2016 18.35 16.79 0 2015 17.80 18.35 0 2014 12.76 17.80 1,731 2013 11.48 12.76 2,518 2012 12.01 11.48 3,249 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $21.82 $22.09 1,007 2020 18.00 21.82 1,009 2019 19.96 18.00 1,011 2018 18.83 19.96 2,846 2017 16.29 18.83 2,849 2016 17.69 16.29 4,260 2015 16.44 17.69 4,336 2014 12.17 16.44 3,405 2013 10.89 12.17 3,871 2012 11.42 10.89 5,494 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $19.35 $22.92 0 2020 16.74 19.35 0 2019 18.46 16.74 17 2018 16.54 18.46 17 2017 16.23 16.54 937 2016 16.70 16.23 939 2015 16.69 16.70 10,162 2014 14.87 16.69 11,840 2013 13.77 14.87 13,649 2012 14.56 13.77 26,800 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $31.19 $43.90 3 2020 24.01 31.19 14 2019 23.81 24.01 27 2018 18.77 23.81 39 2017 17.78 18.77 53 2016 17.67 17.78 69 2015 15.80 17.67 85 2014 12.05 15.80 101 2013 10.69 12.05 118 2012 10.65 10.69 146 2011 -----------------------------------------------------------------------------------------------------------------------------

B-5

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ---------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.86 $21.83 5,098 2020 13.04 16.86 5,500 2019 13.61 13.04 13,806 2018 10.42 13.61 14,084 2017 10.00 10.42 14,399 2016 ---------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.12 $12.95 6,626 2020 9.87 12.12 7,431 2019 12.09 9.87 10,349 2018 9.68 12.09 11,190 2017 10.00 9.68 13,902 2016 ---------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust ---------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $13.34 $13.36 4,921 2020 12.69 13.34 5,702 2019 12.94 12.69 6,235 2018 12.75 12.94 6,783 2017 11.92 12.75 14,738 2016 12.27 11.92 18,077 2015 12.43 12.27 27,909 2014 12.20 12.43 29,534 2013 11.58 12.20 35,681 2012 11.50 11.58 41,599 2011 ---------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series ---------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $20.92 $21.65 1,447 2020 18.67 20.92 1,825 2019 19.70 18.67 1,944 2018 18.84 19.70 2,126 2017 16.76 18.84 2,754 2016 17.55 16.76 5,523 2015 17.46 17.55 6,462 2014 16.67 17.46 5,657 2013 14.86 16.67 6,617 2012 14.43 14.86 8,367 2011 ---------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $33.14 $41.80 1,278 2020 25.29 33.14 1,563 2019 24.88 25.29 2,089 2018 19.81 24.88 2,370 2017 19.51 19.81 2,681 2016 18.73 19.51 3,098 2015 17.44 18.73 10,254 2014 12.72 17.44 14,698 2013 11.08 12.72 18,118 2012 13.04 11.08 22,191 2011 ---------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund ---------------------------------------------------------------------------------------------------------------------- VIP Asset Manager/SM/ Portfolio -- Service Class 2 $18.04 $20.28 0 2020 15.57 18.04 0 2019 16.81 15.57 0 2018 15.06 16.81 0 2017 14.92 15.06 82 2016 15.21 14.92 1,326 2015 14.68 15.21 1,705 2014 12.97 14.68 2,171 2013 11.77 12.97 2,546 2012 12.34 11.77 3,006 2011 ----------------------------------------------------------------------------------------------------------------------

B-6

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $20.39 $24.44 0 2020 16.74 20.39 0 2019 17.85 16.74 0 2018 15.66 17.85 0 2017 14.91 15.66 0 2016 15.14 14.91 7,991 2015 14.02 15.14 8,007 2014 11.97 14.02 0 2013 10.63 11.97 0 2012 11.26 10.63 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $30.51 $39.00 29,023 2020 23.68 30.51 29,949 2019 25.84 23.68 34,585 2018 21.65 25.84 36,821 2017 20.48 21.65 52,677 2016 20.78 20.48 53,871 2015 18.96 20.78 63,117 2014 14.75 18.96 64,316 2013 12.94 14.75 72,280 2012 13.56 12.94 82,195 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $28.14 $36.82 0 2020 22.08 28.14 0 2019 23.73 22.08 0 2018 19.57 23.73 0 2017 19.42 19.57 0 2016 19.59 19.42 0 2015 18.04 19.59 788 2014 13.29 18.04 960 2013 11.08 13.29 1,442 2012 11.61 11.08 1,942 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $21.09 $22.03 3,970 2020 16.91 21.09 4,431 2019 18.83 16.91 8,182 2018 17.03 18.83 8,578 2017 14.74 17.03 9,270 2016 15.69 14.74 9,906 2015 14.73 15.69 12,333 2014 11.74 14.73 9,885 2013 10.22 11.74 13,316 2012 10.35 10.22 14,437 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $23.86 $25.19 1,223 2020 18.74 23.86 1,296 2019 21.03 18.74 1,491 2018 18.37 21.03 1,571 2017 16.16 18.37 2,720 2016 16.90 16.16 2,855 2015 15.62 16.90 2,949 2014 11.94 15.62 1,085 2013 10.29 11.94 1,437 2012 10.34 10.29 1,489 2011 -----------------------------------------------------------------------------------------------------------------------

B-7

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $32.20 $53.18 1,133 2020 23.35 32.20 1,200 2019 21.21 23.35 1,381 2018 16.10 21.21 1,455 2017 16.39 16.10 1,534 2016 15.86 16.39 1,657 2015 14.43 15.86 965 2014 10.69 14.43 676 2013 10.00 10.69 1,268 2012 ---------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $28.77 $40.53 0 2020 21.88 28.77 0 2019 22.39 21.88 0 2018 16.92 22.39 0 2017 17.14 16.92 0 2016 16.34 17.14 0 2015 14.99 16.34 1,092 2014 11.23 14.99 2,731 2013 10.00 11.23 3,057 2012 10.19 10.00 3,444 2011 ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $13.21 $14.15 14,636 2020 12.30 13.21 14,762 2019 12.64 12.30 2,573 2018 12.38 12.64 2,712 2017 12.07 12.38 2,858 2016 12.40 12.07 3,088 2015 11.97 12.40 3,247 2014 12.45 11.97 0 2013 12.01 12.45 0 2012 11.43 12.01 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $29.83 $34.51 3,166 2020 24.68 29.83 3,599 2019 29.50 24.68 4,473 2018 24.93 29.50 4,952 2017 22.70 24.93 5,449 2016 23.51 22.70 6,427 2015 22.59 23.51 13,167 2014 16.94 22.59 18,374 2013 15.06 16.94 23,662 2012 17.22 15.06 30,211 2011 ---------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $23.00 $24.38 493 2020 17.47 23.00 877 2019 21.58 17.47 991 2018 18.46 21.58 1,176 2017 17.21 18.46 1,814 2016 18.12 17.21 2,001 2015 17.33 18.12 2,556 2014 13.56 17.33 2,158 2013 10.87 13.56 3,477 2012 12.18 10.87 4,329 2011 ----------------------------------------------------------------------------------------------------------------

B-8

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.56 $14.88 0 2020 11.53 13.56 0 2019 13.00 11.53 0 2018 11.83 13.00 0 2017 10.65 11.83 0 2016 11.57 10.65 0 2015 11.46 11.57 0 2014 9.43 11.46 0 2013 8.33 9.43 0 2012 8.62 8.33 0 2011 ---------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $18.70 $18.48 985 2020 16.41 18.70 922 2019 17.48 16.41 1,031 2018 16.24 17.48 1,083 2017 14.51 16.24 1,099 2016 15.90 14.51 1,206 2015 15.49 15.90 2,206 2014 13.85 15.49 2,747 2013 12.52 13.85 3,327 2012 12.46 12.52 4,082 2011 ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $20.04 $18.68 0 2020 16.66 20.04 0 2019 18.67 16.66 0 2018 17.55 18.67 0 2017 15.41 17.55 0 2016 16.51 15.41 0 2015 15.71 16.51 1,548 2014 12.48 15.71 3,421 2013 11.13 12.48 4,884 2012 11.45 11.13 5,952 2011 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $12.26 $12.73 0 2020 10.85 12.26 0 2019 12.98 10.85 0 2018 11.16 12.98 0 2017 10.37 11.16 0 2016 11.30 10.37 0 2015 11.84 11.30 0 2014 9.22 11.84 0 2013 7.76 9.22 0 2012 8.50 7.76 0 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.05 $ 8.91 1,698 2020 9.05 9.05 2,666 2019 9.09 9.05 3,227 2018 9.22 9.09 17,281 2017 9.39 9.22 26,943 2016 9.56 9.39 28,464 2015 9.74 9.56 16,347 2014 9.92 9.74 17,114 2013 10.00 9.92 22,081 2012 ----------------------------------------------------------------------------------------------------------------------

B-9

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Mid Cap Value Fund -- Institutional Shares $24.78 $26.37 343 2020 19.20 24.78 325 2019 21.85 19.20 1,101 2018 20.04 21.85 1,123 2017 17.98 20.04 1,129 2016 20.19 17.98 1,148 2015 18.11 20.19 1,197 2014 13.88 18.11 1,338 2013 11.94 13.88 2,021 2012 12.99 11.94 2,219 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $26.70 $29.88 339 2020 22.25 26.70 350 2019 22.57 22.25 359 2018 19.47 22.57 402 2017 19.01 19.47 16,218 2016 19.29 19.01 18,205 2015 18.16 19.29 19,871 2014 15.44 18.16 15,511 2013 13.88 15.44 17,936 2012 13.95 13.88 39,347 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $41.70 $56.91 486 2020 31.05 41.70 515 2019 31.10 31.05 592 2018 24.37 31.10 624 2017 24.36 24.37 658 2016 22.17 24.36 1,563 2015 20.83 22.17 1,631 2014 16.21 20.83 966 2013 13.34 16.21 1,491 2012 14.60 13.34 1,627 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Overseas Portfolio -- Service Shares $20.22 $23.03 48 2020 16.26 20.22 176 2019 19.52 16.26 1,236 2018 15.21 19.52 1,346 2017 16.61 15.21 1,508 2016 18.55 16.61 1,642 2015 21.50 18.55 2,249 2014 19.17 21.50 2,435 2013 17.26 19.17 3,050 2012 25.99 17.26 3,340 2011 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $25.73 $29.73 579 2020 21.01 25.73 784 2019 23.42 21.01 825 2018 20.57 23.42 867 2017 20.76 20.57 917 2016 21.57 20.76 979 2015 18.30 21.57 1,946 2014 12.65 18.30 2,262 2013 10.88 12.65 2,993 2012 10.85 10.88 3,882 2011 ----------------------------------------------------------------------------------------------------------------------

B-10

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $20.36 $21.48 0 2020 15.79 20.36 0 2019 16.93 15.79 0 2018 14.49 16.93 0 2017 12.86 14.49 0 2016 13.72 12.86 0 2015 12.31 13.72 0 2014 9.98 12.31 0 2013 8.92 9.98 0 2012 8.43 8.92 0 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.37 $13.82 0 2020 10.57 13.37 0 2019 11.82 10.57 0 2018 10.49 11.82 0 2017 9.46 10.49 0 2016 9.92 9.46 53 2015 10.00 9.92 66 2014 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $27.77 $30.96 0 2020 21.56 27.77 0 2019 23.30 21.56 2,567 2018 19.29 23.30 2,572 2017 18.15 19.29 2,577 2016 18.50 18.15 3,455 2015 17.02 18.50 3,462 2014 13.16 17.02 3,470 2013 11.29 13.16 3,478 2012 11.78 11.29 4,874 2011 ---------------------------------------------------------------------------------------------------------------------- MFS(R) New Discovery Series -- Service Class Shares $31.45 $44.94 966 2020 22.68 31.45 1,220 2019 23.52 22.68 2,025 2018 18.96 23.52 2,222 2017 17.76 18.96 2,390 2016 18.49 17.76 2,769 2015 20.36 18.49 3,529 2014 14.69 20.36 3,261 2013 12.38 14.69 4,006 2012 14.09 12.38 4,382 2011 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $18.98 $20.40 823 2020 16.10 18.98 832 2019 17.43 16.10 938 2018 15.85 17.43 959 2017 14.84 15.85 933 2016 15.21 14.84 997 2015 14.31 15.21 1,985 2014 12.28 14.31 8,717 2013 11.28 12.28 8,809 2012 11.31 11.28 10,678 2011 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $37.08 $38.44 0 2020 30.27 37.08 0 2019 30.60 30.27 0 2018 27.23 30.60 0 2017 24.94 27.23 0 2016 29.81 24.94 0 2015 27.00 29.81 1,140 2014 22.89 27.00 1,214 2013 20.60 22.89 1,918 2012 19.70 20.60 2,774 2011 ----------------------------------------------------------------------------------------------------------------------

B-11

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $17.13 $20.55 0 2020 Service Class Shares 12.50 17.13 0 2019 12.67 12.50 0 2018 10.07 12.67 0 2017 9.70 10.07 0 2016 10.00 9.70 1,600 2015 ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $15.09 $15.98 0 2020 13.75 15.09 0 2019 14.82 13.75 2 2018 13.32 14.82 2 2017 12.02 13.32 2 2016 13.48 12.02 2 2015 13.68 13.48 229 2014 13.92 13.68 3,078 2013 12.35 13.92 4,548 2012 12.35 12.35 7,359 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $19.81 $20.56 2,328 2020 17.59 19.81 2,339 2019 18.41 17.59 2,509 2018 17.60 18.41 3,760 2017 15.94 17.60 3,762 2016 16.52 15.94 4,232 2015 16.28 16.52 5,824 2014 15.69 16.28 6,716 2013 13.99 15.69 8,284 2012 13.79 13.99 14,466 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $19.58 $22.56 697 2020 17.61 19.58 699 2019 18.38 17.61 700 2018 17.18 18.38 701 2017 17.39 17.18 703 2016 17.97 17.39 1,985 2015 14.76 17.97 2,038 2014 17.28 14.76 2,236 2013 16.86 17.28 2,470 2012 13.43 16.86 2,744 2011 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.80 $11.93 3,204 2020 11.56 11.80 3,388 2019 11.74 11.56 3,889 2018 11.80 11.74 4,088 2017 11.85 11.80 4,308 2016 12.04 11.85 4,655 2015 12.16 12.04 5,514 2014 12.41 12.16 863 2013 11.94 12.41 1,225 2012 12.04 11.94 5,008 2011 ----------------------------------------------------------------------------------------------------------------------------

B-12

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $15.56 $16.59 4,534 2020 14.63 15.56 4,737 2019 14.99 14.63 6,255 2018 14.56 14.99 6,470 2017 14.44 14.56 15,232 2016 14.65 14.44 16,554 2015 14.31 14.65 17,966 2014 14.87 14.31 27,577 2013 13.83 14.87 33,254 2012 13.60 13.83 52,975 2011 --------------------------------------------------------------------------------------------------------------- Rydex Variable Trust --------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $39.95 $56.84 110 2020 29.74 39.95 125 2019 30.86 29.74 128 2018 23.98 30.86 156 2017 23.05 23.98 179 2016 21.70 23.05 1,032 2015 18.82 21.70 1,062 2014 14.24 18.82 1,120 2013 12.43 14.24 1,126 2012 12.39 12.43 1,890 2011 --------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. --------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.42 $13.05 574 2020 11.65 12.42 570 2019 12.04 11.65 601 2018 11.89 12.04 9,545 2017 11.76 11.89 9,485 2016 12.03 11.76 9,464 2015 11.66 12.03 9,980 2014 12.04 11.66 4,239 2013 11.61 12.04 6,476 2012 11.03 11.61 8,427 2011 --------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $30.12 $39.50 228 2020 22.35 30.12 241 2019 23.39 22.35 1,963 2018 18.57 23.39 2,178 2017 18.46 18.57 2,287 2016 18.21 18.46 2,881 2015 16.27 18.21 3,329 2014 12.29 16.27 6,716 2013 10.36 12.29 8,782 2012 10.50 10.36 12,000 2011 --------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $32.85 $30.55 1,921 2020 26.53 32.85 2,264 2019 28.67 26.53 2,733 2018 27.60 28.67 6,692 2017 26.03 27.60 6,907 2016 25.37 26.03 7,428 2015 19.59 25.37 11,457 2014 19.46 19.59 11,137 2013 16.97 19.46 14,267 2012 15.74 16.97 17,676 2011 ---------------------------------------------------------------------------------------------------------------

B-13

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $27.42 $31.74 1,475 2020 21.32 27.42 1,954 2019 22.80 21.32 4,962 2018 19.12 22.80 13,380 2017 17.45 19.12 14,237 2016 17.59 17.45 15,130 2015 15.82 17.59 15,691 2014 12.22 15.82 14,408 2013 10.76 12.22 18,380 2012 10.78 10.76 22,470 2011 -------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $27.58 $31.00 3,060 2020 22.28 27.58 3,278 2019 25.14 22.28 4,124 2018 22.72 25.14 5,111 2017 18.71 22.72 5,919 2016 19.88 18.71 6,796 2015 19.52 19.88 9,776 2014 14.53 19.52 11,434 2013 12.92 14.53 16,150 2012 12.76 12.92 25,707 2011 -------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 1 Shares $16.87 $17.63 804,968 2020 14.84 16.87 862,001 2019 16.15 14.84 1,005,438 2018 14.23 16.15 1,162,846 2017 13.64 14.23 1,231,888 2016 14.05 13.64 1,323,362 2015 13.59 14.05 1,493,903 2014 12.05 13.59 2,332,009 2013 10.91 12.05 2,425,614 2012 11.44 10.91 2,492,763 2011 -------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $14.73 $15.34 864 2020 12.98 14.73 866 2019 14.16 12.98 868 2018 12.52 14.16 870 2017 12.02 12.52 872 2016 12.42 12.02 875 2015 12.04 12.42 877 2014 10.70 12.04 879 2013 9.71 10.70 882 2012 10.21 9.71 885 2011 -------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $25.86 $31.12 1,337 2020 19.99 25.86 1,403 2019 21.09 19.99 1,459 2018 17.92 21.09 2,350 2017 16.70 17.92 2,936 2016 17.41 16.70 3,042 2015 15.73 17.41 4,274 2014 11.97 15.73 4,950 2013 10.53 11.97 5,701 2012 11.05 10.53 13,021 2011 --------------------------------------------------------------------------------------------------------

B-14

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $31.48 $40.29 428 2020 24.98 31.48 529 2019 27.00 24.98 3,004 2018 21.20 27.00 3,077 2017 21.33 21.20 3,137 2016 20.53 21.33 3,180 2015 19.61 20.53 3,228 2014 15.44 19.61 3,295 2013 14.22 15.44 3,322 2012 15.18 14.22 4,055 2011 ----------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $34.06 $52.01 0 2020 26.13 34.06 0 2019 26.94 26.13 0 2018 20.16 26.94 0 2017 20.81 20.16 0 2016 19.09 20.81 0 2015 17.75 19.09 0 2014 13.19 17.75 0 2013 11.61 13.19 222 2012 11.84 11.61 249 2011 ----------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $11.83 $12.98 351 2020 10.93 11.83 326 2019 13.65 10.93 322 2018 13.98 13.65 329 2017 11.41 13.98 324 2016 16.34 11.41 435 2015 20.76 16.34 430 2014 19.27 20.76 241 2013 20.22 19.27 269 2012 25.55 20.22 592 2011 ----------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust ----------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $33.11 $46.54 0 2020 24.62 33.11 0 2019 25.02 24.62 0 2018 18.94 25.02 0 2017 19.19 18.94 0 2016 19.29 19.19 0 2015 18.93 19.29 0 2014 13.79 18.93 1,331 2013 11.67 13.79 1,618 2012 12.58 11.67 2,525 2011 -----------------------------------------------------------------------------------------------------------

B-15 Guaranteed Income Advantage (from May 1, 2003 to April 28, 2005) -- with Mortality and Expense Risk Charge of 1.45%

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. --------------------------------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $14.57 $15.68 0 2020 AB Global Thematic Growth Portfolio -- Class B $14.24 $19.51 0 2020 AB Growth and Income Portfolio -- Class B $18.69 $18.87 0 2020 AB International Value Portfolio -- Class B $ 6.31 $ 6.36 0 2020 AB Large Cap Growth Portfolio -- Class B $26.78 $35.67 0 2020 AB Small Cap Growth Portfolio -- Class B $27.49 $41.62 0 2020 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $18.97 $25.46 0 2020 Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $11.14 $12.58 0 2020 Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- Series II Shares $21.01 $29.04 0 2020 Invesco Oppenheimer V.I. Global Fund -- Series II Shares $18.03 $22.62 0 2020 Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $20.21 $22.64 0 2020 Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- Series II Shares $21.63 $25.50 0 2020 Invesco V.I. American Franchise Fund -- Series I shares $23.68 $33.22 0 2020 Invesco V.I. American Franchise Fund -- Series II shares $10.00 $11.47 0 2020 Invesco V.I. Comstock Fund -- Series II shares $18.51 $18.05 0 2020 Invesco V.I. Core Equity Fund -- Series I shares $17.46 $19.59 0 2020 Invesco V.I. Equity and Income Fund -- Series II shares $17.52 $18.93 0 2020 Invesco V.I. International Growth Fund -- Series II shares $12.02 $13.48 0 2020 Invesco V.I. Value Opportunities Fund -- Series II shares $12.92 $13.41 0 2020 --------------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. --------------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.32 $13.30 0 2020 --------------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. --------------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $20.68 $24.39 0 2020 BlackRock Basic Value V.I. Fund -- Class III Shares $16.99 $17.26 0 2020 BlackRock Global Allocation V.I. Fund -- Class III Shares $13.92 $16.56 0 2020 BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $24.41 $34.50 0 2020 --------------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II --------------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $17.11 $22.25 0 2020 Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.31 $13.20 0 2020 --------------------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $13.24 $13.31 0 2020 --------------------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $18.54 $19.27 0 2020 Federated Hermes Kaufmann Fund II -- Service Shares $21.94 $27.78 0 2020 --------------------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------------------- VIP Asset Manager/SM/ Portfolio -- Service Class 2 $10.00 $10.98 0 2020 VIP Balanced Portfolio -- Service Class 2 $18.96 $22.81 0 2020 VIP Contrafund(R) Portfolio -- Service Class 2 $19.87 $25.50 0 2020 VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $21.16 $27.81 0 2020 VIP Equity-Income Portfolio -- Service Class 2 $16.66 $17.47 0 2020 VIP Growth & Income Portfolio -- Service Class 2 $18.83 $19.97 0 2020 VIP Growth Opportunities Portfolio -- Service Class 2 $33.26 $55.14 0 2020 VIP Growth Portfolio -- Service Class 2 $22.74 $32.17 0 2020 VIP Investment Grade Bond Portfolio -- Service Class 2 $13.88 $14.93 0 2020 VIP Mid Cap Portfolio -- Service Class 2 $18.26 $21.21 0 2020 VIP Value Strategies Portfolio -- Service Class 2 $17.43 $18.56 0 2020 ---------------------------------------------------------------------------------------------------------------------------------

B-16

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.99 $15.41 0 2020 Franklin Income VIP Fund -- Class 2 Shares $15.79 $15.67 0 2020 Franklin Mutual Shares VIP Fund -- Class 2 Shares $14.83 $13.87 0 2020 Templeton Growth VIP Fund -- Class 2 Shares $11.21 $11.68 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.33 $ 9.22 0 2020 Goldman Sachs Mid Cap Value Fund -- Institutional Shares $10.00 $11.92 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $21.32 $23.96 0 2020 Janus Henderson Forty Portfolio -- Service Shares $24.39 $33.42 0 2020 Janus Henderson Overseas Portfolio -- Service Shares $10.00 $12.19 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $22.72 $26.36 0 2020 ClearBridge Variable Dividend Strategy Portfolio -- Class II $10.00 $11.46 0 2020 ClearBridge Variable Large Cap Value Portfolio -- Class I $13.65 $14.16 0 2020 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $21.35 $23.90 0 2020 MFS(R) New Discovery Series -- Service Class Shares $10.00 $12.23 0 2020 MFS(R) Total Return Series -- Service Class Shares $16.44 $17.74 0 2020 MFS(R) Utilities Series -- Service Class Shares $17.24 $17.94 0 2020 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- Service Class Shares $17.47 $21.03 0 2020 ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $13.98 $14.87 0 2020 High Yield Portfolio -- Administrative Class Shares $17.56 $18.30 0 2020 Long-Term U.S. Government Portfolio -- Administrative Class Shares $18.53 $21.44 0 2020 Low Duration Portfolio -- Administrative Class Shares $11.65 $11.82 0 2020 Total Return Portfolio -- Administrative Class Shares $14.86 $15.91 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Rydex Variable Trust ---------------------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $32.62 $46.61 0 2020 ---------------------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. ---------------------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.45 $13.13 0 2020 Premier Growth Equity V.I.S. Fund -- Class 1 Shares $27.35 $36.02 0 2020 Real Estate Securities V.I.S. Fund -- Class 1 Shares $20.90 $19.52 0 2020 S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $22.22 $25.82 0 2020 Small-Cap Equity V.I.S. Fund -- Class 1 Shares $21.49 $24.26 0 2020 Total Return V.I.S. Fund -- Class 1 Shares $10.00 $10.98 0 2020 Total Return V.I.S. Fund -- Class 3 Shares $13.09 $13.69 0 2020 U.S. Equity V.I.S. Fund -- Class 1 Shares $21.07 $25.46 0 2020 ---------------------------------------------------------------------------------------------------------------------------- The Prudential Series Fund ---------------------------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $20.35 $26.15 0 2020 Jennison Portfolio -- Class II Shares $27.69 $42.45 0 2020 Natural Resources Portfolio -- Class II Shares $ 4.90 $ 5.40 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust ---------------------------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $34.41 $48.56 0 2020 ----------------------------------------------------------------------------------------------------------------------------

B-17 Guaranteed Income Advantage For contracts issued on or after April 29, 2005, or the date on which state insurance authorities approve applicable contract modifications.

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $14.26 $15.27 0 2020 12.30 14.26 0 2019 13.41 12.30 0 2018 11.82 13.41 0 2017 11.55 11.82 0 2016 11.63 11.55 0 2015 11.07 11.63 0 2014 9.71 11.07 0 2013 8.74 9.71 0 2012 9.19 8.74 0 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $19.86 $27.08 0 2020 15.61 19.86 0 2019 17.68 15.61 0 2018 13.23 17.68 0 2017 13.61 13.23 0 2016 13.53 13.61 0 2015 13.16 13.53 0 2014 10.92 13.16 0 2013 9.84 10.92 0 2012 13.10 9.84 0 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $22.65 $22.75 203 2020 18.68 22.65 203 2019 20.24 18.68 251 2018 17.41 20.24 252 2017 15.98 17.41 252 2016 16.07 15.98 37 2015 15.00 16.07 77 2014 11.36 15.00 123 2013 9.89 11.36 177 2012 9.50 9.89 1,136 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $10.14 $10.16 870 2020 8.85 10.14 974 2019 11.73 8.85 1,112 2018 9.56 11.73 2,150 2017 9.83 9.56 2,441 2016 9.79 9.83 2,750 2015 10.67 9.79 4,400 2014 8.87 10.67 5,060 2013 7.92 8.87 6,646 2012 10.03 7.92 8,015 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $34.40 $45.59 0 2020 26.11 34.40 0 2019 26.03 26.11 0 2018 20.16 26.03 0 2017 20.09 20.16 0 2016 18.48 20.09 0 2015 16.56 18.48 0 2014 12.33 16.56 0 2013 10.77 12.33 0 2012 11.41 10.77 0 2011 ----------------------------------------------------------------------------------------------------------

B-18

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $27.85 $41.96 118 2020 20.89 27.85 11,575 2019 21.54 20.89 18,058 2018 16.42 21.54 18,064 2017 15.77 16.42 18,064 2016 16.33 15.77 18,065 2015 17.01 16.33 18,427 2014 11.94 17.01 26,261 2013 10.61 11.94 26,380 2012 10.39 10.61 33,006 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $23.53 $31.43 128 2020 17.67 23.53 129 2019 19.16 17.67 130 2018 15.45 19.16 133 2017 16.15 15.45 132 2016 15.95 16.15 134 2015 14.13 15.95 263 2014 11.13 14.13 361 2013 9.98 11.13 472 2012 10.32 9.98 610 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $12.27 $13.78 64 2020 10.67 12.27 65 2019 11.52 10.67 65 2018 10.79 11.52 65 2017 10.48 10.79 66 2016 10.63 10.48 66 2015 10.04 10.63 2,422 2014 9.07 10.04 2,429 2013 8.25 9.07 2,827 2012 8.39 8.25 2,892 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $25.10 $34.51 0 2020 Series II Shares 18.41 25.10 0 2019 20.05 18.41 0 2018 15.91 20.05 0 2017 15.90 15.91 0 2016 15.25 15.90 0 2015 14.74 15.25 0 2014 11.08 14.74 0 2013 9.73 11.08 0 2012 9.84 9.73 1,325 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $25.01 $31.23 253 2020 19.40 25.01 271 2019 22.85 19.40 334 2018 17.10 22.85 1,182 2017 17.46 17.10 1,131 2016 17.18 17.46 1,816 2015 17.17 17.18 1,938 2014 13.79 17.17 2,185 2013 11.63 13.79 2,857 2012 12.96 11.63 7,388 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-19

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $24.55 $27.36 145 2020 19.00 24.55 271 2019 21.09 19.00 947 2018 18.44 21.09 774 2017 16.90 18.44 588 2016 16.72 16.90 360 2015 15.44 16.72 345 2014 11.98 15.44 377 2013 10.48 11.98 531 2012 10.72 10.48 1,889 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $27.10 $31.79 14,490 2020 Series II Shares 21.91 27.10 14,529 2019 24.99 21.91 14,573 2018 22.37 24.99 14,624 2017 19.39 22.37 1,157 2016 21.06 19.39 1,716 2015 19.23 21.06 2,032 2014 13.95 19.23 2,361 2013 12.09 13.95 3,291 2012 12.63 12.09 7,560 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $22.66 $31.63 0 2020 16.90 22.66 0 2019 17.88 16.90 0 2018 14.32 17.88 0 2017 14.28 14.32 0 2016 13.87 14.28 0 2015 13.05 13.87 0 2014 9.50 13.05 0 2013 10.00 9.50 0 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $29.74 $41.41 0 2020 22.23 29.74 0 2019 23.60 22.23 0 2018 18.94 23.60 0 2017 18.94 18.94 0 2016 18.44 18.94 272 2015 17.39 18.44 284 2014 12.68 17.39 296 2013 11.41 12.68 310 2012 12.43 11.41 326 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $21.00 $20.37 359 2020 17.14 21.00 383 2019 19.95 17.14 399 2018 17.31 19.95 405 2017 15.09 17.31 411 2016 16.40 15.09 227 2015 15.33 16.40 1,251 2014 11.53 15.33 1,797 2013 9.89 11.53 2,395 2012 10.30 9.89 5,656 2011 --------------------------------------------------------------------------------------------------------------------------

B-20

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $19.35 $21.60 0 2020 15.30 19.35 0 2019 17.23 15.30 0 2018 15.52 17.23 0 2017 14.36 15.52 0 2016 15.54 14.36 0 2015 14.65 15.54 0 2014 11.56 14.65 0 2013 10.36 11.56 0 2012 10.57 10.36 0 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $16.48 $17.72 0 2020 14.00 16.48 0 2019 15.82 14.00 0 2018 14.57 15.82 0 2017 12.94 14.57 0 2016 13.54 12.94 0 2015 12.70 13.54 0 2014 10.37 12.70 0 2013 9.41 10.37 0 2012 9.73 9.41 0 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $19.62 $21.88 176 2020 15.60 19.62 250 2019 18.77 15.60 247 2018 15.60 18.77 261 2017 16.02 15.60 2,488 2016 16.77 16.02 2,738 2015 17.09 16.77 3,390 2014 14.68 17.09 3,534 2013 12.99 14.68 4,063 2012 14.25 12.99 4,904 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $14.93 $15.42 583 2020 11.70 14.93 617 2019 14.80 11.70 820 2018 12.88 14.80 866 2017 11.14 12.88 910 2016 12.71 11.14 959 2015 12.19 12.71 1,076 2014 9.33 12.19 1,226 2013 8.09 9.33 1,722 2012 8.54 8.09 1,901 2011 -------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. -------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.11 $13.01 0 2020 11.34 12.11 0 2019 11.90 11.34 0 2018 11.71 11.90 0 2017 11.44 11.71 0 2016 11.96 11.44 0 2015 11.81 11.96 1,327 2014 13.16 11.81 1,518 2013 12.50 13.16 1,731 2012 11.41 12.50 1,971 2011 --------------------------------------------------------------------------------------------------------------------

B-21

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $25.52 $29.94 30 2020 20.23 25.52 30 2019 22.11 20.23 35 2018 19.81 22.11 35 2017 16.37 19.81 5,681 2016 17.91 16.37 5,646 2015 17.38 17.91 5,966 2014 12.48 17.38 6,109 2013 11.23 12.48 6,271 2012 11.76 11.23 6,696 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $21.14 $21.37 681 2020 17.45 21.14 715 2019 19.37 17.45 951 2018 18.29 19.37 998 2017 15.84 18.29 1,044 2016 17.22 15.84 885 2015 16.02 17.22 1,001 2014 11.87 16.02 1,151 2013 10.64 11.87 1,269 2012 11.16 10.64 1,391 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $19.06 $22.56 3,266 2020 16.51 19.06 14,463 2019 18.22 16.51 19,748 2018 16.34 18.22 19,758 2017 16.05 16.34 19,770 2016 16.54 16.05 17,456 2015 16.55 16.54 23,187 2014 14.75 16.55 37,237 2013 13.68 14.75 40,879 2012 14.48 13.68 50,936 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $30.33 $42.65 37,674 2020 23.37 30.33 37,674 2019 23.20 23.37 37,674 2018 18.31 23.20 37,674 2017 17.36 18.31 0 2016 17.27 17.36 0 2015 15.46 17.27 0 2014 11.80 15.46 0 2013 10.48 11.80 0 2012 10.45 10.48 0 2011 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.79 $21.72 287 2020 13.00 16.79 287 2019 13.59 13.00 344 2018 10.41 13.59 345 2017 10.00 10.41 345 2016 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.08 $12.89 71,651 2020 9.84 12.08 71,761 2019 12.07 9.84 71,843 2018 9.68 12.07 71,857 2017 10.00 9.68 885 2016 -----------------------------------------------------------------------------------------------------------------------------

B-22

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $12.98 $12.98 1,381 2020 12.37 12.98 1,404 2019 12.62 12.37 1,278 2018 12.45 12.62 1,308 2017 11.65 12.45 1,335 2016 12.00 11.65 645 2015 12.17 12.00 1,105 2014 11.95 12.17 1,410 2013 11.36 11.95 2,152 2012 11.30 11.36 1,765 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $19.90 $20.58 340 2020 17.79 19.90 363 2019 18.79 17.79 500 2018 17.98 18.79 531 2017 16.01 17.98 562 2016 16.79 16.01 596 2015 16.71 16.79 674 2014 15.97 16.71 775 2013 14.25 15.97 854 2012 13.85 14.25 937 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $33.16 $41.77 0 2020 25.33 33.16 0 2019 24.94 25.33 57 2018 19.88 24.94 67 2017 19.60 19.88 68 2016 18.83 19.60 66 2015 17.55 18.83 157 2014 12.81 17.55 448 2013 11.17 12.81 787 2012 13.17 11.17 1,950 2011 --------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------- VIP Asset Manager/SM/ Portfolio -- Service Class 2 $17.85 $20.05 0 2020 15.43 17.85 0 2019 16.67 15.43 0 2018 14.95 16.67 289 2017 14.82 14.95 335 2016 15.13 14.82 385 2015 14.62 15.13 435 2014 12.93 14.62 486 2013 11.75 12.93 543 2012 12.33 11.75 607 2011 --------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $20.11 $24.08 355 2020 16.52 20.11 1,167 2019 17.63 16.52 2,333 2018 15.49 17.63 1,990 2017 14.76 15.49 806 2016 15.00 14.76 357 2015 13.91 15.00 358 2014 11.89 13.91 358 2013 10.56 11.89 359 2012 11.20 10.56 360 2011 ---------------------------------------------------------------------------------------------------------------------

B-23

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $28.43 $36.31 2,409 2020 22.09 28.43 14,217 2019 24.13 22.09 21,761 2018 20.24 24.13 22,868 2017 19.16 20.24 22,437 2016 19.46 19.16 21,749 2015 17.78 19.46 24,221 2014 13.85 17.78 32,152 2013 12.16 13.85 34,595 2012 12.76 12.16 50,914 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $31.73 $41.48 0 2020 24.93 31.73 0 2019 26.81 24.93 0 2018 22.14 26.81 0 2017 21.99 22.14 0 2016 22.20 21.99 0 2015 20.46 22.20 0 2014 15.10 20.46 0 2013 12.59 15.10 0 2012 13.21 12.59 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $20.67 $21.57 2,242 2020 16.58 20.67 23,353 2019 18.49 16.58 35,668 2018 16.74 18.49 35,120 2017 14.50 16.74 34,283 2016 15.45 14.50 28,822 2015 14.52 15.45 29,035 2014 11.59 14.52 42,179 2013 10.10 11.59 42,909 2012 10.23 10.10 3,060 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $24.45 $25.80 45 2020 19.23 24.45 45 2019 21.60 19.23 46 2018 18.89 21.60 46 2017 16.64 18.89 5,751 2016 17.41 16.64 5,752 2015 16.11 17.41 5,752 2014 12.33 16.11 5,720 2013 10.63 12.33 5,705 2012 10.70 10.63 6,563 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $31.95 $52.70 122 2020 23.19 31.95 122 2019 21.08 23.19 222 2018 16.02 21.08 222 2017 16.33 16.02 222 2016 15.81 16.33 0 2015 14.40 15.81 0 2014 10.68 14.40 0 2013 10.00 10.68 0 2012 -----------------------------------------------------------------------------------------------------------------------

B-24

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $31.83 $44.80 0 2020 24.23 31.83 10,713 2019 24.82 24.23 17,521 2018 18.78 24.82 17,299 2017 19.04 18.78 16,773 2016 18.17 19.04 17,328 2015 16.69 18.17 17,352 2014 12.52 16.69 24,523 2013 11.16 12.52 24,551 2012 11.38 11.16 31,214 2011 ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $13.04 $13.96 0 2020 12.16 13.04 0 2019 12.50 12.16 0 2018 12.26 12.50 0 2017 11.96 12.26 0 2016 12.31 11.96 0 2015 11.88 12.31 0 2014 12.38 11.88 0 2013 11.95 12.38 0 2012 11.39 11.95 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $26.44 $30.56 893 2020 21.90 26.44 11,218 2019 26.20 21.90 16,180 2018 22.17 26.20 16,398 2017 20.20 22.17 16,348 2016 20.95 20.20 16,863 2015 20.15 20.95 19,344 2014 15.12 20.15 25,819 2013 13.46 15.12 26,458 2012 15.40 13.46 32,803 2011 ---------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $23.38 $24.76 0 2020 17.78 23.38 0 2019 21.98 17.78 0 2018 18.83 21.98 0 2017 17.57 18.83 89 2016 18.51 17.57 600 2015 17.72 18.51 621 2014 13.89 17.72 644 2013 11.15 13.89 826 2012 12.50 11.15 1,250 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.39 $14.68 0 2020 11.40 13.39 0 2019 12.87 11.40 0 2018 11.72 12.87 0 2017 10.56 11.72 0 2016 11.48 10.56 956 2015 11.39 11.48 956 2014 9.38 11.39 956 2013 8.30 9.38 956 2012 8.59 8.30 2,587 2011 ----------------------------------------------------------------------------------------------------------------

B-25

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $18.42 $18.19 3,951 2020 16.19 18.42 4,333 2019 17.25 16.19 5,110 2018 16.04 17.25 5,221 2017 14.35 16.04 5,504 2016 15.75 14.35 4,493 2015 15.35 15.75 12,364 2014 13.74 15.35 25,878 2013 12.44 13.74 29,609 2012 12.39 12.44 32,962 2011 ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $18.67 $17.39 678 2020 15.54 18.67 631 2019 17.43 15.54 632 2018 16.41 17.43 652 2017 14.42 16.41 631 2016 15.47 14.42 1,660 2015 14.72 15.47 2,666 2014 11.71 14.72 2,905 2013 10.45 11.71 3,180 2012 10.77 10.45 5,303 2011 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $12.09 $12.54 936 2020 10.71 12.09 879 2019 12.82 10.71 817 2018 11.04 12.82 787 2017 10.27 11.04 809 2016 11.20 10.27 3,197 2015 11.75 11.20 3,170 2014 9.16 11.75 3,120 2013 7.72 9.16 3,165 2012 8.46 7.72 1,981 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 8.98 $ 8.83 4,732 2020 9.00 8.98 8,695 2019 9.04 9.00 5,154 2018 9.17 9.04 5,518 2017 9.35 9.17 172,984 2016 9.54 9.35 2,768 2015 9.73 9.54 9,227 2014 9.92 9.73 19,944 2013 10.00 9.92 23,218 2012 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Mid Cap Value Fund -- Institutional Shares $24.41 $25.95 109 2020 18.93 24.41 104 2019 21.56 18.93 120 2018 19.80 21.56 129 2017 17.79 19.80 129 2016 19.99 17.79 668 2015 17.95 19.99 2,197 2014 13.78 17.95 2,448 2013 11.86 13.78 3,048 2012 12.92 11.86 3,882 2011 ----------------------------------------------------------------------------------------------------------------------

B-26

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $26.06 $29.13 0 2020 21.73 26.06 0 2019 22.07 21.73 0 2018 19.06 22.07 0 2017 18.63 19.06 0 2016 18.92 18.63 1,166 2015 17.83 18.92 3,405 2014 15.18 17.83 6,670 2013 13.65 15.18 7,516 2012 13.74 13.65 11,098 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $38.09 $51.92 0 2020 28.38 38.09 55 2019 28.46 28.38 56 2018 22.33 28.46 67 2017 22.34 22.33 165 2016 20.35 22.34 178 2015 19.14 20.35 175 2014 14.91 19.14 189 2013 12.28 14.91 203 2012 13.46 12.28 804 2011 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $27.49 $31.74 25 2020 22.48 27.49 24 2019 25.07 22.48 24 2018 22.05 25.07 23 2017 22.28 22.05 393 2016 23.17 22.28 710 2015 19.68 23.17 824 2014 13.62 19.68 1,065 2013 11.73 13.62 1,151 2012 11.71 11.73 1,696 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $20.10 $21.18 0 2020 15.60 20.10 0 2019 16.75 15.60 0 2018 14.35 16.75 0 2017 12.75 14.35 0 2016 13.61 12.75 0 2015 12.23 13.61 0 2014 9.92 12.23 0 2013 8.87 9.92 0 2012 8.40 8.87 0 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.31 $13.73 118,408 2020 10.53 13.31 118,445 2019 11.79 10.53 118,665 2018 10.47 11.79 118,716 2017 9.45 10.47 901 2016 9.92 9.45 954 2015 10.00 9.92 1,080 2014 ----------------------------------------------------------------------------------------------------------------------

B-27

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------ MFS(R) Variable Insurance Trust ------------------------------------------------------------------------------------------------------------------ MFS(R) Investors Trust Series -- Service Class Shares $27.04 $30.12 0 2020 21.01 27.04 0 2019 22.73 21.01 0 2018 18.84 22.73 0 2017 17.74 18.84 595 2016 18.10 17.74 651 2015 16.68 18.10 705 2014 12.91 16.68 759 2013 11.08 12.91 822 2012 11.58 11.08 895 2011 ------------------------------------------------------------------------------------------------------------------ MFS(R) New Discovery Series -- Service Class Shares $37.24 $53.16 0 2020 26.88 37.24 0 2019 27.90 26.88 0 2018 22.52 27.90 0 2017 21.11 22.52 0 2016 22.00 21.11 0 2015 24.26 22.00 0 2014 17.52 24.26 0 2013 14.78 17.52 0 2012 16.84 14.78 0 2011 ------------------------------------------------------------------------------------------------------------------ MFS(R) Total Return Series -- Service Class Shares $18.04 $19.37 606 2020 15.32 18.04 614 2019 16.60 15.32 649 2018 15.11 16.60 664 2017 14.16 15.11 657 2016 14.53 14.16 690 2015 13.69 14.53 6,026 2014 11.76 13.69 6,198 2013 10.81 11.76 6,919 2012 10.85 10.81 7,110 2011 ------------------------------------------------------------------------------------------------------------------ MFS(R) Utilities Series -- Service Class Shares $30.32 $31.40 197 2020 24.77 30.32 209 2019 25.07 24.77 276 2018 22.33 25.07 292 2017 20.47 22.33 308 2016 24.49 20.47 325 2015 22.21 24.49 556 2014 18.84 22.21 641 2013 16.98 18.84 992 2012 16.25 16.98 4,617 2011 ------------------------------------------------------------------------------------------------------------------ MFS(R) Variable Insurance Trust II ------------------------------------------------------------------------------------------------------------------ MFS(R) Massachusetts Investors Growth Stock Portfolio -- $17.05 $20.43 153 2020 Service Class Shares 12.46 17.05 154 2019 12.63 12.46 155 2018 10.06 12.63 156 2017 9.69 10.06 156 2016 10.00 9.69 1,206 2015 ------------------------------------------------------------------------------------------------------------------

B-28

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $14.86 $15.72 1 2020 13.56 14.86 9,637 2019 14.63 13.56 15,089 2018 13.16 14.63 15,089 2017 11.89 13.16 15,249 2016 13.35 11.89 15,249 2015 13.56 13.35 16,905 2014 13.81 13.56 24,499 2013 12.27 13.81 25,522 2012 12.28 12.27 33,795 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $18.76 $19.45 706 2020 16.67 18.76 5,236 2019 17.47 16.67 7,831 2018 16.71 17.47 8,110 2017 15.16 16.71 8,170 2016 15.72 15.16 8,240 2015 15.51 15.72 8,334 2014 14.96 15.51 11,495 2013 13.35 14.96 11,656 2012 13.18 13.35 15,754 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $18.23 $20.99 5 2020 16.41 18.23 48 2019 17.15 16.41 48 2018 16.05 17.15 55 2017 16.26 16.05 63 2016 16.82 16.26 73 2015 13.83 16.82 68 2014 16.20 13.83 78 2013 15.82 16.20 90 2012 12.62 15.82 560 2011 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.63 $11.74 1,281 2020 11.40 11.63 1,281 2019 11.59 11.40 993 2018 11.66 11.59 993 2017 11.73 11.66 3,358 2016 11.92 11.73 2,364 2015 12.06 11.92 2,364 2014 12.31 12.06 2,364 2013 11.86 12.31 2,479 2012 11.97 11.86 2,479 2011 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $14.99 $15.97 14,676 2020 14.11 14.99 32,711 2019 14.47 14.11 34,976 2018 14.06 14.47 35,402 2017 13.97 14.06 42,443 2016 14.18 13.97 42,298 2015 13.87 14.18 34,809 2014 14.43 13.87 47,273 2013 13.43 14.43 48,409 2012 13.22 13.43 67,020 2011 ----------------------------------------------------------------------------------------------------------------------------

B-29

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Rydex Variable Trust -------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $43.03 $61.17 0 2020 32.07 43.03 0 2019 33.31 32.07 0 2018 25.91 33.31 0 2017 24.93 25.91 0 2016 23.49 24.93 0 2015 20.40 23.49 0 2014 15.45 20.40 0 2013 13.50 15.45 0 2012 13.47 13.50 5 2011 -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.22 $12.82 1,440 2020 11.47 12.22 1,531 2019 11.87 11.47 1,565 2018 11.72 11.87 1,611 2017 11.61 11.72 1,659 2016 11.89 11.61 100 2015 11.54 11.89 85 2014 11.93 11.54 99 2013 11.51 11.93 114 2012 10.95 11.51 595 2011 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $31.03 $40.66 0 2020 23.05 31.03 0 2019 24.15 23.05 86 2018 19.19 24.15 91 2017 19.10 19.19 94 2016 18.86 19.10 95 2015 16.86 18.86 218 2014 12.75 16.86 617 2013 10.76 12.75 1,077 2012 10.92 10.76 1,699 2011 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $26.82 $24.92 129 2020 21.68 26.82 1,608 2019 23.45 21.68 1,550 2018 22.60 23.45 1,729 2017 21.34 22.60 1,709 2016 20.81 21.34 2,332 2015 16.09 20.81 2,766 2014 16.00 16.09 2,828 2013 13.97 16.00 2,961 2012 12.97 13.97 7,218 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $27.07 $31.30 3,328 2020 21.07 27.07 5,799 2019 22.56 21.07 6,012 2018 18.93 22.56 6,061 2017 17.30 18.93 6,129 2016 17.46 17.30 879 2015 15.72 17.46 1,080 2014 12.15 15.72 1,294 2013 10.71 12.15 2,425 2012 10.74 10.71 3,648 2011 --------------------------------------------------------------------------------------------------------------

B-30

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $26.47 $29.73 57 2020 21.41 26.47 58 2019 24.18 21.41 100 2018 21.88 24.18 102 2017 18.03 21.88 475 2016 19.18 18.03 770 2015 18.85 19.18 866 2014 14.04 18.85 1,082 2013 12.50 14.04 1,699 2012 12.36 12.50 2,622 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 1 Shares $16.70 $17.43 4,456,493 2020 14.71 16.70 4,642,030 2019 16.02 14.71 5,212,863 2018 14.14 16.02 5,299,339 2017 13.56 14.14 4,170,400 2016 13.98 13.56 3,621,616 2015 13.54 13.98 5,430,343 2014 12.02 13.54 5,629,163 2013 10.89 12.02 5,819,215 2012 11.43 10.89 6,723,424 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $14.52 $15.11 943,420 2020 12.82 14.52 1,023,182 2019 14.00 12.82 1,442,661 2018 12.38 14.00 2,471,150 2017 11.91 12.38 5,530,421 2016 12.31 11.91 7,243,324 2015 11.95 12.31 7,841,002 2014 10.63 11.95 8,693,876 2013 9.66 10.63 9,182,582 2012 10.16 9.66 9,570,364 2011 ----------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $25.72 $30.93 26 2020 19.91 25.72 0 2019 21.02 19.91 0 2018 17.88 21.02 0 2017 16.68 17.88 0 2016 17.41 16.68 0 2015 15.75 17.41 0 2014 11.99 15.75 0 2013 10.56 11.99 0 2012 11.10 10.56 0 2011 ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $29.30 $37.46 141 2020 23.27 29.30 285 2019 25.18 23.27 304 2018 19.79 25.18 350 2017 19.94 19.79 393 2016 19.21 19.94 456 2015 18.36 19.21 515 2014 14.48 18.36 626 2013 13.35 14.48 749 2012 14.25 13.35 1,574 2011 -----------------------------------------------------------------------------------------------------------

B-31

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $34.88 $53.20 109 2020 26.78 34.88 109 2019 27.64 26.78 171 2018 20.71 27.64 171 2017 21.39 20.71 171 2016 19.65 21.39 0 2015 18.29 19.65 0 2014 13.61 18.29 0 2013 11.99 13.61 0 2012 12.24 11.99 0 2011 -------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $11.65 $12.77 115 2020 10.78 11.65 164 2019 13.47 10.78 187 2018 13.82 13.47 209 2017 11.29 13.82 1,626 2016 16.18 11.29 1,732 2015 20.58 16.18 1,733 2014 19.12 20.58 1,819 2013 20.09 19.12 1,948 2012 25.40 20.09 4,737 2011 -------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $32.80 $46.04 100 2020 24.41 32.80 103 2019 24.83 24.41 105 2018 18.81 24.83 110 2017 19.08 18.81 109 2016 19.21 19.08 111 2015 18.86 19.21 112 2014 13.75 18.86 114 2013 11.65 13.75 115 2012 12.58 11.65 116 2011 --------------------------------------------------------------------------------------------------------

B-32 Guaranteed Income Advantage (starting on or after April 29, 2005) -- with Mortality and Expense Risk Charge of 1.45%

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. --------------------------------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $14.57 $15.68 0 2020 AB Global Thematic Growth Portfolio -- Class B $14.24 $19.51 0 2020 AB Growth and Income Portfolio -- Class B $18.69 $18.87 0 2020 AB International Value Portfolio -- Class B $ 6.31 $ 6.36 0 2020 AB Large Cap Growth Portfolio -- Class B $26.78 $35.67 0 2020 AB Small Cap Growth Portfolio -- Class B $27.49 $41.62 0 2020 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $18.97 $25.46 0 2020 Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $11.14 $12.58 0 2020 Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- Series II Shares $21.01 $29.04 0 2020 Invesco Oppenheimer V.I. Global Fund -- Series II Shares $18.03 $22.62 0 2020 Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $20.21 $22.64 0 2020 Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- Series II Shares $21.63 $25.50 0 2020 Invesco V.I. American Franchise Fund -- Series I shares $23.68 $33.22 0 2020 Invesco V.I. American Franchise Fund -- Series II shares $10.00 $11.47 0 2020 Invesco V.I. Comstock Fund -- Series II shares $18.51 $18.05 0 2020 Invesco V.I. Core Equity Fund -- Series I shares $17.46 $19.59 0 2020 Invesco V.I. Equity and Income Fund -- Series II shares $17.52 $18.93 0 2020 Invesco V.I. International Growth Fund -- Series II shares $12.02 $13.48 0 2020 Invesco V.I. Value Opportunities Fund -- Series II shares $12.92 $13.41 0 2020 --------------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. --------------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.32 $13.30 0 2020 --------------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. --------------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $20.68 $24.39 0 2020 BlackRock Basic Value V.I. Fund -- Class III Shares $16.99 $17.26 0 2020 BlackRock Global Allocation V.I. Fund -- Class III Shares $13.92 $16.56 0 2020 BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $24.41 $34.50 0 2020 --------------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II --------------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $17.11 $22.25 0 2020 Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.31 $13.20 0 2020 --------------------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $13.24 $13.31 0 2020 --------------------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $18.54 $19.27 0 2020 Federated Hermes Kaufmann Fund II -- Service Shares $21.94 $27.78 0 2020 --------------------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------------------- VIP Asset Manager/SM/ Portfolio -- Service Class 2 $10.00 $10.98 0 2020 VIP Balanced Portfolio -- Service Class 2 $18.96 $22.81 0 2020 VIP Contrafund(R) Portfolio -- Service Class 2 $19.87 $25.50 0 2020 VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $21.16 $27.81 0 2020 VIP Equity-Income Portfolio -- Service Class 2 $16.66 $17.47 0 2020 VIP Growth & Income Portfolio -- Service Class 2 $18.83 $19.97 0 2020 VIP Growth Opportunities Portfolio -- Service Class 2 $33.26 $55.14 0 2020 VIP Growth Portfolio -- Service Class 2 $22.74 $32.17 0 2020 VIP Investment Grade Bond Portfolio -- Service Class 2 $13.88 $14.93 0 2020 VIP Mid Cap Portfolio -- Service Class 2 $18.26 $21.21 0 2020 VIP Value Strategies Portfolio -- Service Class 2 $17.43 $18.56 0 2020 ---------------------------------------------------------------------------------------------------------------------------------

B-33

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.99 $15.41 0 2020 Franklin Income VIP Fund -- Class 2 Shares $15.79 $15.67 0 2020 Franklin Mutual Shares VIP Fund -- Class 2 Shares $14.83 $13.87 0 2020 Templeton Growth VIP Fund -- Class 2 Shares $11.21 $11.68 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.33 $ 9.22 0 2020 Goldman Sachs Mid Cap Value Fund -- Institutional Shares $10.00 $11.92 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $21.32 $23.96 0 2020 Janus Henderson Forty Portfolio -- Service Shares $24.39 $33.42 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $22.72 $26.36 0 2020 ClearBridge Variable Dividend Strategy Portfolio -- Class II $10.00 $11.46 0 2020 ClearBridge Variable Large Cap Value Portfolio -- Class I $13.65 $14.16 0 2020 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $21.35 $23.90 0 2020 MFS(R) New Discovery Series -- Service Class Shares $10.00 $12.23 0 2020 MFS(R) Total Return Series -- Service Class Shares $16.44 $17.74 0 2020 MFS(R) Utilities Series -- Service Class Shares $17.24 $17.94 0 2020 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- Service Class Shares $17.47 $21.03 0 2020 ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $13.98 $14.87 0 2020 High Yield Portfolio -- Administrative Class Shares $17.56 $18.30 0 2020 Long-Term U.S. Government Portfolio -- Administrative Class Shares $18.53 $21.44 0 2020 Low Duration Portfolio -- Administrative Class Shares $11.65 $11.82 0 2020 Total Return Portfolio -- Administrative Class Shares $14.86 $15.91 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Rydex Variable Trust ---------------------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $32.62 $46.61 0 2020 ---------------------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. ---------------------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.45 $13.13 0 2020 Premier Growth Equity V.I.S. Fund -- Class 1 Shares $27.35 $36.02 0 2020 Real Estate Securities V.I.S. Fund -- Class 1 Shares $20.90 $19.52 0 2020 S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $22.22 $25.82 0 2020 Small-Cap Equity V.I.S. Fund -- Class 1 Shares $21.49 $24.26 0 2020 Total Return V.I.S. Fund -- Class 1 Shares $10.00 $10.98 0 2020 Total Return V.I.S. Fund -- Class 3 Shares $13.09 $13.69 0 2020 U.S. Equity V.I.S. Fund -- Class 1 Shares $21.07 $25.46 0 2020 ---------------------------------------------------------------------------------------------------------------------------- The Prudential Series Fund ---------------------------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $20.35 $26.15 0 2020 Jennison Portfolio -- Class II Shares $27.69 $42.45 0 2020 Natural Resources Portfolio -- Class II Shares $ 4.90 $ 5.40 0 2020 ---------------------------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust ---------------------------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $34.41 $48.56 0 2020 ----------------------------------------------------------------------------------------------------------------------------

B-34 Guaranteed Withdrawal Advantage Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $14.26 $15.27 0 2020 12.30 14.26 0 2019 13.41 12.30 0 2018 11.82 13.41 0 2017 11.55 11.82 0 2016 11.63 11.55 0 2015 11.07 11.63 0 2014 9.71 11.07 0 2013 8.74 9.71 0 2012 9.19 8.74 0 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $19.10 $26.05 0 2020 15.01 19.10 0 2019 17.01 15.01 0 2018 12.72 17.01 0 2017 13.09 12.72 0 2016 13.01 13.09 0 2015 12.66 13.01 0 2014 10.50 12.66 0 2013 9.46 10.50 0 2012 12.60 9.46 0 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $23.63 $23.74 1,063 2020 19.50 23.63 6,217 2019 21.12 19.50 6,657 2018 18.16 21.12 6,999 2017 16.68 18.16 7,640 2016 16.77 16.68 8,323 2015 15.65 16.77 8,780 2014 11.86 15.65 10,782 2013 10.32 11.86 5,867 2012 9.92 10.32 10,504 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $10.30 $10.32 7,845 2020 8.99 10.30 9,448 2019 11.91 8.99 9,003 2018 9.71 11.91 9,905 2017 9.98 9.71 18,463 2016 9.94 9.98 14,993 2015 10.84 9.94 15,972 2014 9.01 10.84 17,675 2013 8.05 9.01 36,750 2012 10.19 8.05 45,130 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $34.32 $45.47 128 2020 26.05 34.32 156 2019 25.97 26.05 178 2018 20.11 25.97 192 2017 20.04 20.11 950 2016 18.44 20.04 1,529 2015 16.52 18.44 2,177 2014 12.30 16.52 3,007 2013 10.75 12.30 3,693 2012 11.39 10.75 7,220 2011 ----------------------------------------------------------------------------------------------------------

B-35

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $27.85 $41.96 661 2020 20.89 27.85 0 2019 21.54 20.89 0 2018 16.42 21.54 0 2017 15.77 16.42 0 2016 16.33 15.77 0 2015 17.01 16.33 2,124 2014 11.94 17.01 0 2013 10.61 11.94 0 2012 10.39 10.61 0 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $23.79 $31.78 0 2020 17.86 23.79 0 2019 19.37 17.86 0 2018 15.62 19.37 0 2017 16.32 15.62 0 2016 16.12 16.32 0 2015 14.28 16.12 0 2014 11.25 14.28 0 2013 10.08 11.25 0 2012 10.43 10.08 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $13.03 $14.64 51,992 2020 11.34 13.03 69,393 2019 12.24 11.34 77,025 2018 11.46 12.24 89,927 2017 11.14 11.46 96,589 2016 11.29 11.14 111,051 2015 10.66 11.29 144,200 2014 9.64 10.66 185,223 2013 8.77 9.64 205,853 2012 8.91 8.77 341,889 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $26.55 $36.51 0 2020 Series II Shares 19.48 26.55 0 2019 21.21 19.48 0 2018 16.84 21.21 0 2017 16.82 16.84 0 2016 16.13 16.82 0 2015 15.59 16.13 0 2014 11.72 15.59 0 2013 10.29 11.72 0 2012 10.41 10.29 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $27.13 $33.87 4,847 2020 21.05 27.13 1,823 2019 24.79 21.05 1,893 2018 18.55 24.79 3,220 2017 18.94 18.55 3,701 2016 18.63 18.94 4,051 2015 18.62 18.63 5,076 2014 14.96 18.62 4,930 2013 12.61 14.96 7,931 2012 14.06 12.61 9,971 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-36

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $25.25 $28.14 3,790 2020 19.54 25.25 10,410 2019 21.69 19.54 10,478 2018 18.97 21.69 10,778 2017 17.38 18.97 12,989 2016 17.19 17.38 10,179 2015 15.88 17.19 12,338 2014 12.32 15.88 16,390 2013 10.78 12.32 26,418 2012 11.03 10.78 46,995 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $29.07 $34.10 3,250 2020 Series II Shares 23.50 29.07 3,836 2019 26.80 23.50 4,011 2018 23.99 26.80 5,989 2017 20.79 23.99 7,203 2016 22.58 20.79 10,451 2015 20.63 22.58 11,419 2014 14.96 20.63 15,903 2013 12.97 14.96 24,317 2012 13.55 12.97 35,104 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $22.66 $31.63 0 2020 16.90 22.66 0 2019 17.88 16.90 0 2018 14.32 17.88 0 2017 14.28 14.32 0 2016 13.87 14.28 0 2015 13.05 13.87 0 2014 9.50 13.05 0 2013 10.00 9.50 0 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $29.72 $41.38 0 2020 22.22 29.72 0 2019 23.58 22.22 0 2018 18.93 23.58 0 2017 18.93 18.93 0 2016 18.43 18.93 0 2015 17.37 18.43 0 2014 12.68 17.37 0 2013 11.40 12.68 0 2012 12.42 11.40 0 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $23.07 $22.37 3,768 2020 18.83 23.07 3,680 2019 21.92 18.83 5,295 2018 19.01 21.92 9,568 2017 16.57 19.01 15,102 2016 18.02 16.57 16,898 2015 16.84 18.02 17,734 2014 12.66 16.84 22,911 2013 10.86 12.66 34,204 2012 11.32 10.86 45,899 2011 --------------------------------------------------------------------------------------------------------------------------

B-37

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $19.35 $21.60 0 2020 15.30 19.35 8,634 2019 17.23 15.30 8,034 2018 15.52 17.23 8,097 2017 14.36 15.52 8,521 2016 15.54 14.36 0 2015 14.65 15.54 0 2014 11.56 14.65 346 2013 10.36 11.56 431 2012 10.57 10.36 4,630 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $16.48 $17.72 0 2020 14.00 16.48 0 2019 15.82 14.00 0 2018 14.57 15.82 0 2017 12.94 14.57 0 2016 13.54 12.94 0 2015 12.70 13.54 0 2014 10.37 12.70 0 2013 9.41 10.37 0 2012 9.73 9.41 0 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $20.22 $22.55 1,297 2020 16.08 20.22 8,918 2019 19.34 16.08 9,468 2018 16.08 19.34 9,372 2017 16.51 16.08 9,236 2016 17.29 16.51 11,109 2015 17.62 17.29 10,154 2014 15.14 17.62 13,477 2013 13.39 15.14 11,822 2012 14.69 13.39 13,152 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $15.34 $15.84 1,175 2020 12.02 15.34 1,111 2019 15.20 12.02 1,189 2018 13.22 15.20 1,049 2017 11.44 13.22 3,906 2016 13.06 11.44 5,639 2015 12.52 13.06 6,179 2014 9.58 12.52 7,836 2013 8.30 9.58 9,346 2012 8.77 8.30 16,998 2011 -------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. -------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.11 $13.01 8,343 2020 11.34 12.11 8,767 2019 11.90 11.34 7,769 2018 11.71 11.90 8,413 2017 11.44 11.71 8,934 2016 11.96 11.44 5,079 2015 11.81 11.96 11,199 2014 13.16 11.81 14,312 2013 12.50 13.16 17,546 2012 11.41 12.50 19,910 2011 --------------------------------------------------------------------------------------------------------------------

B-38

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $25.87 $30.35 444 2020 20.51 25.87 515 2019 22.41 20.51 1,018 2018 20.08 22.41 1,105 2017 16.59 20.08 1,224 2016 18.15 16.59 1,566 2015 17.62 18.15 1,594 2014 12.65 17.62 1,715 2013 11.39 12.65 4,703 2012 11.93 11.39 6,754 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $21.48 $21.72 398 2020 17.73 21.48 2,173 2019 19.68 17.73 1,985 2018 18.58 19.68 3,049 2017 16.10 18.58 4,877 2016 17.50 16.10 1,140 2015 16.28 17.50 1,155 2014 12.06 16.28 1,308 2013 10.81 12.06 1,637 2012 11.34 10.81 4,650 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $19.06 $22.56 2,277 2020 16.51 19.06 3,415 2019 18.22 16.51 3,643 2018 16.34 18.22 7,492 2017 16.05 16.34 7,818 2016 16.54 16.05 10,271 2015 16.55 16.54 21,259 2014 14.75 16.55 29,660 2013 13.68 14.75 27,865 2012 14.48 13.68 38,023 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $30.69 $43.17 0 2020 23.66 30.69 0 2019 23.48 23.66 0 2018 18.53 23.48 0 2017 17.57 18.53 0 2016 17.48 17.57 0 2015 15.64 17.48 0 2014 11.94 15.64 0 2013 10.61 11.94 0 2012 10.57 10.61 0 2011 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.79 $21.72 11,164 2020 13.00 16.79 5,410 2019 13.59 13.00 6,850 2018 10.41 13.59 14,758 2017 10.00 10.41 11,839 2016 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.08 $12.89 23,329 2020 9.84 12.08 8,558 2019 12.07 9.84 11,498 2018 9.68 12.07 17,749 2017 10.00 9.68 24,425 2016 -----------------------------------------------------------------------------------------------------------------------------

B-39

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $13.12 $13.12 2,058 2020 12.50 13.12 3,867 2019 12.76 12.50 3,804 2018 12.58 12.76 2,195 2017 11.78 12.58 2,376 2016 12.13 11.78 2,219 2015 12.30 12.13 5,705 2014 12.08 12.30 5,707 2013 11.48 12.08 6,340 2012 11.42 11.48 339 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $20.48 $21.18 398 2020 18.30 20.48 1,874 2019 19.33 18.30 1,899 2018 18.50 19.33 2,036 2017 16.47 18.50 2,056 2016 17.27 16.47 3,486 2015 17.20 17.27 3,582 2014 16.43 17.20 4,207 2013 14.66 16.43 2,915 2012 14.25 14.66 5,412 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $33.83 $42.61 1,249 2020 25.84 33.83 698 2019 25.45 25.84 805 2018 20.28 25.45 957 2017 20.00 20.28 1,199 2016 19.21 20.00 1,242 2015 17.90 19.21 1,440 2014 13.07 17.90 2,152 2013 11.40 13.07 3,464 2012 13.43 11.40 11,030 2011 --------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------- VIP Asset Manager/SM/ Portfolio -- Service Class 2 $17.75 $19.94 14,959 2020 15.34 17.75 16,728 2019 16.58 15.34 18,365 2018 14.87 16.58 19,909 2017 14.74 14.87 22,242 2016 15.04 14.74 39,337 2015 14.54 15.04 40,836 2014 12.86 14.54 84,422 2013 11.68 12.86 97,180 2012 12.26 11.68 100,258 2011 --------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $20.11 $24.08 5,162 2020 16.52 20.11 5,961 2019 17.63 16.52 3,467 2018 15.49 17.63 6,601 2017 14.76 15.49 7,176 2016 15.00 14.76 15,395 2015 13.91 15.00 55,645 2014 11.89 13.91 62,742 2013 10.56 11.89 68,007 2012 11.20 10.56 80,445 2011 ---------------------------------------------------------------------------------------------------------------------

B-40

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $30.48 $38.92 2,757 2020 23.68 30.48 4,413 2019 25.87 23.68 4,718 2018 21.70 25.87 6,404 2017 20.54 21.70 6,589 2016 20.86 20.54 12,384 2015 19.06 20.86 15,218 2014 14.84 19.06 20,200 2013 13.03 14.84 33,797 2012 13.67 13.03 1,662 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $31.21 $40.80 0 2020 24.52 31.21 0 2019 26.37 24.52 0 2018 21.78 26.37 0 2017 21.63 21.78 0 2016 21.84 21.63 0 2015 20.13 21.84 0 2014 14.85 20.13 0 2013 12.39 14.85 0 2012 12.99 12.39 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $21.54 $22.48 9,700 2020 17.29 21.54 3,449 2019 19.28 17.29 3,556 2018 17.45 19.28 4,951 2017 15.12 17.45 3,120 2016 16.10 15.12 8,942 2015 15.14 16.10 10,162 2014 12.08 15.14 14,305 2013 10.53 12.08 21,529 2012 10.66 10.53 21,406 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $24.56 $25.91 0 2020 19.32 24.56 0 2019 21.70 19.32 0 2018 18.98 21.70 0 2017 16.71 18.98 0 2016 17.49 16.71 9,456 2015 16.18 17.49 9,456 2014 12.38 16.18 0 2013 10.68 12.38 0 2012 10.75 10.68 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $31.95 $52.70 3,299 2020 23.19 31.95 1,007 2019 21.08 23.19 1,240 2018 16.02 21.08 1,539 2017 16.33 16.02 2,073 2016 15.81 16.33 6,001 2015 14.40 15.81 2,815 2014 10.68 14.40 3,417 2013 10.00 10.68 6,312 2012 -----------------------------------------------------------------------------------------------------------------------

B-41

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $30.79 $43.34 578 2020 23.44 30.79 823 2019 24.02 23.44 1,036 2018 18.17 24.02 1,674 2017 18.43 18.17 2,263 2016 17.58 18.43 2,347 2015 16.15 17.58 2,667 2014 12.11 16.15 4,238 2013 10.80 12.11 5,211 2012 11.01 10.80 6,536 2011 ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $13.04 $13.96 18,265 2020 12.16 13.04 15,584 2019 12.50 12.16 13,957 2018 12.26 12.50 21,953 2017 11.96 12.26 23,702 2016 12.31 11.96 45,328 2015 11.88 12.31 42,545 2014 12.38 11.88 21,966 2013 11.95 12.38 29,607 2012 11.39 11.95 2,883 2011 ---------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $30.89 $35.70 2,030 2020 25.58 30.89 4,483 2019 30.61 25.58 4,839 2018 25.90 30.61 6,520 2017 23.60 25.90 8,227 2016 24.47 23.60 10,000 2015 23.53 24.47 13,513 2014 17.67 23.53 15,692 2013 15.73 17.67 23,662 2012 17.99 15.73 21,047 2011 ---------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $22.63 $23.97 0 2020 17.21 22.63 0 2019 21.28 17.21 0 2018 18.23 21.28 0 2017 17.01 18.23 0 2016 17.92 17.01 0 2015 17.16 17.92 0 2014 13.44 17.16 0 2013 10.79 13.44 0 2012 12.10 10.79 0 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.39 $14.68 0 2020 11.40 13.39 0 2019 12.87 11.40 0 2018 11.72 12.87 0 2017 10.56 11.72 0 2016 11.48 10.56 0 2015 11.39 11.48 0 2014 9.38 11.39 0 2013 8.30 9.38 0 2012 8.59 8.30 0 2011 ----------------------------------------------------------------------------------------------------------------

B-42

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $18.42 $18.19 70,764 2020 16.19 18.42 85,333 2019 17.25 16.19 95,916 2018 16.04 17.25 115,020 2017 14.35 16.04 138,842 2016 15.75 14.35 168,470 2015 15.35 15.75 234,775 2014 13.74 15.35 302,630 2013 12.44 13.74 345,583 2012 12.39 12.44 459,793 2011 ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $18.67 $17.39 1,548 2020 15.54 18.67 1,289 2019 17.43 15.54 1,332 2018 16.41 17.43 1,385 2017 14.42 16.41 1,517 2016 15.47 14.42 1,721 2015 14.72 15.47 1,801 2014 11.71 14.72 2,623 2013 10.45 11.71 3,968 2012 10.77 10.45 12,357 2011 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $12.09 $12.54 0 2020 10.71 12.09 0 2019 12.82 10.71 0 2018 11.04 12.82 0 2017 10.27 11.04 0 2016 11.20 10.27 0 2015 11.75 11.20 0 2014 9.16 11.75 0 2013 7.72 9.16 0 2012 8.46 7.72 0 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 8.98 $ 8.83 11,470 2020 9.00 8.98 39,556 2019 9.04 9.00 58,835 2018 9.17 9.04 52,754 2017 9.35 9.17 44,165 2016 9.54 9.35 75,268 2015 9.73 9.54 66,938 2014 9.92 9.73 65,893 2013 10.00 9.92 153,525 2012 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Mid Cap Value Fund -- Institutional Shares $24.41 $25.95 2,694 2020 18.93 24.41 2,440 2019 21.56 18.93 2,661 2018 19.80 21.56 2,946 2017 17.79 19.80 2,951 2016 19.99 17.79 3,259 2015 17.95 19.99 3,286 2014 13.78 17.95 4,415 2013 11.86 13.78 3,780 2012 12.92 11.86 5,512 2011 ----------------------------------------------------------------------------------------------------------------------

B-43

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $27.07 $30.27 62,011 2020 22.58 27.07 71,909 2019 22.93 22.58 74,723 2018 19.80 22.93 86,351 2017 19.35 19.80 103,805 2016 19.66 19.35 102,064 2015 18.52 19.66 134,528 2014 15.77 18.52 154,069 2013 14.19 15.77 164,304 2012 14.27 14.19 214,911 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $41.40 $56.44 320 2020 30.85 41.40 388 2019 30.94 30.85 452 2018 24.27 30.94 520 2017 24.28 24.27 2,494 2016 22.12 24.28 2,284 2015 20.80 22.12 3,186 2014 16.21 20.80 3,816 2013 13.35 16.21 6,496 2012 14.63 13.35 6,415 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Overseas Portfolio -- Service Shares $20.59 $23.42 0 2020 16.57 20.59 0 2019 19.92 16.57 0 2018 15.53 19.92 0 2017 16.98 15.53 0 2016 18.99 16.98 0 2015 22.03 18.99 0 2014 19.66 22.03 0 2013 17.72 19.66 0 2012 26.70 17.72 0 2011 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $26.74 $30.87 18 2020 21.86 26.74 3,112 2019 24.39 21.86 3,300 2018 21.44 24.39 3,423 2017 21.67 21.44 4,056 2016 22.53 21.67 6,065 2015 19.14 22.53 6,081 2014 13.25 19.14 7,441 2013 11.40 13.25 5,896 2012 11.38 11.40 9,063 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $20.10 $21.18 428 2020 15.60 20.10 487 2019 16.75 15.60 582 2018 14.35 16.75 4,755 2017 12.75 14.35 5,370 2016 13.61 12.75 7,647 2015 12.23 13.61 20,191 2014 9.92 12.23 19,793 2013 8.87 9.92 21,590 2012 8.40 8.87 32,454 2011 ----------------------------------------------------------------------------------------------------------------------

B-44

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.31 $13.73 507 2020 10.53 13.31 492 2019 11.79 10.53 518 2018 10.47 11.79 526 2017 9.45 10.47 534 2016 9.92 9.45 8,369 2015 10.00 9.92 8,193 2014 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $28.67 $31.94 0 2020 22.28 28.67 0 2019 24.10 22.28 0 2018 19.98 24.10 0 2017 18.81 19.98 0 2016 19.19 18.81 0 2015 17.68 19.19 0 2014 13.69 17.68 0 2013 11.75 13.69 0 2012 12.28 11.75 0 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) New Discovery Series -- Service Class Shares $33.85 $48.32 1,774 2020 24.43 33.85 0 2019 25.36 24.43 0 2018 20.47 25.36 87 2017 19.19 20.47 114 2016 20.00 19.19 556 2015 22.05 20.00 615 2014 15.92 22.05 717 2013 13.43 15.92 937 2012 15.31 13.43 1,559 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $18.04 $19.37 24,387 2020 15.32 18.04 26,543 2019 16.60 15.32 26,358 2018 15.11 16.60 34,043 2017 14.16 15.11 36,255 2016 14.53 14.16 39,977 2015 13.69 14.53 49,728 2014 11.76 13.69 84,929 2013 10.81 11.76 104,738 2012 10.85 10.81 118,912 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $37.63 $38.97 0 2020 30.75 37.63 0 2019 31.12 30.75 0 2018 27.72 31.12 0 2017 25.41 27.72 0 2016 30.40 25.41 0 2015 27.57 30.40 0 2014 23.39 27.57 0 2013 21.07 23.39 0 2012 20.18 21.07 0 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $17.05 $20.43 236 2020 Service Class Shares 12.46 17.05 262 2019 12.63 12.46 311 2018 10.06 12.63 332 2017 9.69 10.06 380 2016 10.00 9.69 664 2015 -------------------------------------------------------------------------------------------------------------------

B-45

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $14.86 $15.72 0 2020 13.56 14.86 0 2019 14.63 13.56 0 2018 13.16 14.63 0 2017 11.89 13.16 0 2016 13.35 11.89 0 2015 13.56 13.35 0 2014 13.81 13.56 0 2013 12.27 13.81 0 2012 12.28 12.27 0 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $19.72 $20.45 5,256 2020 17.53 19.72 4,864 2019 18.37 17.53 4,231 2018 17.57 18.37 5,679 2017 15.94 17.57 6,462 2016 16.53 15.94 10,517 2015 16.31 16.53 10,160 2014 15.73 16.31 10,712 2013 14.04 15.73 13,073 2012 13.85 14.04 22,031 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $19.90 $22.90 3,511 2020 17.91 19.90 2,480 2019 18.71 17.91 1,632 2018 17.52 18.71 1,496 2017 17.74 17.52 1,710 2016 18.35 17.74 142 2015 15.09 18.35 167 2014 17.68 15.09 1,821 2013 17.27 17.68 3,011 2012 13.78 17.27 11,147 2011 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.63 $11.74 25,838 2020 11.40 11.63 28,004 2019 11.59 11.40 27,733 2018 11.66 11.59 31,257 2017 11.73 11.66 30,822 2016 11.92 11.73 36,338 2015 12.06 11.92 52,271 2014 12.31 12.06 72,854 2013 11.86 12.31 78,398 2012 11.97 11.86 84,748 2011 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $15.52 $16.54 19,121 2020 14.61 15.52 25,515 2019 14.98 14.61 25,491 2018 14.57 14.98 41,665 2017 14.47 14.57 46,311 2016 14.69 14.47 53,166 2015 14.37 14.69 53,281 2014 14.95 14.37 59,855 2013 13.91 14.95 57,886 2012 13.69 13.91 84,078 2011 ----------------------------------------------------------------------------------------------------------------------------

B-46

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Rydex Variable Trust -------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $42.40 $60.27 0 2020 31.60 42.40 0 2019 32.82 31.60 0 2018 25.53 32.82 0 2017 24.56 25.53 0 2016 23.15 24.56 0 2015 20.10 23.15 0 2014 15.23 20.10 0 2013 13.30 15.23 0 2012 13.28 13.30 0 2011 -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.46 $13.08 334 2020 11.70 12.46 321 2019 12.11 11.70 311 2018 11.96 12.11 317 2017 11.84 11.96 294 2016 12.13 11.84 7,433 2015 11.77 12.13 7,542 2014 12.16 11.77 7,474 2013 11.74 12.16 6,424 2012 11.17 11.74 9,061 2011 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $30.62 $40.11 0 2020 22.74 30.62 0 2019 23.83 22.74 0 2018 18.93 23.83 0 2017 18.84 18.93 0 2016 18.61 18.84 0 2015 16.64 18.61 0 2014 12.58 16.64 0 2013 10.61 12.58 0 2012 10.77 10.61 0 2011 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $35.55 $33.03 2,802 2020 28.74 35.55 928 2019 31.09 28.74 884 2018 29.96 31.09 1,151 2017 28.29 29.96 1,284 2016 27.59 28.29 1,237 2015 21.34 27.59 1,562 2014 21.21 21.34 2,994 2013 18.52 21.21 1,789 2012 17.19 18.52 2,214 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $28.13 $32.52 5,364 2020 21.89 28.13 0 2019 23.44 21.89 0 2018 19.67 23.44 0 2017 17.97 19.67 0 2016 18.14 17.97 0 2015 16.33 18.14 0 2014 12.62 16.33 0 2013 11.12 12.62 0 2012 11.15 11.12 0 2011 --------------------------------------------------------------------------------------------------------------

B-47

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $27.83 $31.26 93 2020 22.51 27.83 1,647 2019 25.42 22.51 1,708 2018 23.00 25.42 1,686 2017 18.95 23.00 1,703 2016 20.16 18.95 2,279 2015 19.82 20.16 2,310 2014 14.76 19.82 3,827 2013 13.14 14.76 2,613 2012 13.00 13.14 3,303 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 1 Shares $17.06 $17.80 522,911 2020 15.02 17.06 607,890 2019 16.36 15.02 711,681 2018 14.43 16.36 798,503 2017 13.84 14.43 939,089 2016 14.28 13.84 1,072,088 2015 13.83 14.28 1,264,979 2014 12.27 13.83 1,523,497 2013 11.12 12.27 1,857,562 2012 11.67 11.12 2,438,758 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $14.52 $15.11 26,960 2020 12.82 14.52 42,833 2019 14.00 12.82 47,247 2018 12.38 14.00 51,347 2017 11.91 12.38 59,373 2016 12.31 11.91 77,633 2015 11.95 12.31 100,751 2014 10.63 11.95 160,214 2013 9.66 10.63 190,996 2012 10.16 9.66 275,381 2011 ----------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $26.25 $31.56 0 2020 20.31 26.25 0 2019 21.45 20.31 0 2018 18.24 21.45 0 2017 17.02 18.24 0 2016 17.77 17.02 0 2015 16.07 17.77 0 2014 12.24 16.07 0 2013 10.78 12.24 0 2012 11.32 10.78 0 2011 ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $32.13 $41.08 0 2020 25.52 32.13 0 2019 27.61 25.52 0 2018 21.70 27.61 0 2017 21.86 21.70 0 2016 21.06 21.86 0 2015 20.13 21.06 0 2014 15.87 20.13 0 2013 14.64 15.87 0 2012 15.63 14.64 0 2011 -----------------------------------------------------------------------------------------------------------

B-48

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $35.33 $53.89 0 2020 27.13 35.33 0 2019 28.00 27.13 0 2018 20.98 28.00 0 2017 21.67 20.98 0 2016 19.91 21.67 0 2015 18.53 19.91 0 2014 13.78 18.53 521 2013 12.15 13.78 4,127 2012 12.40 12.15 5,528 2011 -------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $11.65 $12.77 2,159 2020 10.78 11.65 4,471 2019 13.47 10.78 3,538 2018 13.82 13.47 3,197 2017 11.29 13.82 2,108 2016 16.18 11.29 1,128 2015 20.58 16.18 1,103 2014 19.12 20.58 881 2013 20.09 19.12 1,384 2012 25.40 20.09 1,073 2011 -------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $32.80 $46.04 0 2020 24.41 32.80 0 2019 24.83 24.41 0 2018 18.81 24.83 0 2017 19.08 18.81 0 2016 19.21 19.08 0 2015 18.86 19.21 0 2014 13.75 18.86 0 2013 11.65 13.75 0 2012 12.58 11.65 0 2011 --------------------------------------------------------------------------------------------------------

B-49 Lifetime Income Plus (for Joint Annuitant contracts) Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $13.81 $14.76 828 2020 11.95 13.81 1,041 2019 13.06 11.95 1,264 2018 11.55 13.06 759 2017 11.30 11.55 966 2016 11.41 11.30 1,147 2015 10.89 11.41 1,374 2014 9.58 10.89 1,585 2013 8.64 9.58 1,806 2012 9.11 8.64 2,084 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $15.82 $21.52 0 2020 12.46 15.82 0 2019 14.16 12.46 0 2018 10.62 14.16 0 2017 10.96 10.62 0 2016 10.91 10.96 0 2015 10.65 10.91 0 2014 8.86 10.65 0 2013 8.00 8.86 0 2012 10.68 8.00 0 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $19.81 $19.85 0 2020 16.39 19.81 0 2019 17.80 16.39 0 2018 15.34 17.80 0 2017 14.12 15.34 0 2016 14.24 14.12 0 2015 13.32 14.24 0 2014 10.12 13.32 0 2013 8.83 10.12 0 2012 8.51 8.83 0 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $ 6.97 $ 6.97 7,232 2020 6.10 6.97 14,623 2019 8.10 6.10 17,229 2018 6.62 8.10 16,578 2017 6.83 6.62 61,053 2016 6.81 6.83 45,821 2015 7.45 6.81 45,501 2014 6.21 7.45 37,969 2013 5.56 6.21 87,693 2012 7.05 5.56 73,123 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $27.35 $36.16 0 2020 20.82 27.35 0 2019 20.80 20.82 0 2018 16.15 20.80 0 2017 16.14 16.15 0 2016 14.88 16.14 0 2015 13.37 14.88 0 2014 9.98 13.37 0 2013 8.74 9.98 0 2012 9.29 8.74 0 2011 ----------------------------------------------------------------------------------------------------------

B-50

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $26.90 $40.42 1,243 2020 20.22 26.90 0 2019 20.91 20.22 0 2018 15.98 20.91 0 2017 15.38 15.98 0 2016 15.97 15.38 0 2015 16.68 15.97 9,991 2014 11.73 16.68 0 2013 10.46 11.73 0 2012 10.26 10.46 0 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $20.17 $26.87 0 2020 15.18 20.17 0 2019 16.51 15.18 0 2018 13.34 16.51 0 2017 13.98 13.34 0 2016 13.84 13.98 0 2015 12.29 13.84 0 2014 9.71 12.29 0 2013 8.73 9.71 0 2012 9.05 8.73 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $11.25 $12.61 28,541 2020 9.81 11.25 11,344 2019 10.62 9.81 13,984 2018 9.97 10.62 14,555 2017 9.71 9.97 40,784 2016 9.87 9.71 32,537 2015 9.35 9.87 35,499 2014 8.47 9.35 48,384 2013 7.73 8.47 62,649 2012 7.87 7.73 69,690 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $19.80 $27.16 0 2020 Series II Shares 14.56 19.80 0 2019 15.89 14.56 0 2018 12.65 15.89 0 2017 12.67 12.65 0 2016 12.18 12.67 0 2015 11.81 12.18 0 2014 8.90 11.81 0 2013 7.83 8.90 0 2012 7.94 7.83 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $18.60 $23.17 11,699 2020 14.47 18.60 4,580 2019 17.09 14.47 5,982 2018 12.82 17.09 10,409 2017 13.12 12.82 13,450 2016 12.94 13.12 19,081 2015 12.97 12.94 24,064 2014 10.44 12.97 21,833 2013 8.83 10.44 30,774 2012 9.87 8.83 34,755 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-51

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $20.71 $23.03 0 2020 16.08 20.71 21,357 2019 17.89 16.08 28,080 2018 15.68 17.89 24,690 2017 14.41 15.68 36,849 2016 14.29 14.41 26,000 2015 13.23 14.29 33,029 2014 10.29 13.23 42,723 2013 9.03 10.29 62,103 2012 9.26 9.03 137,162 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $19.61 $22.94 2,185 2020 Series II Shares 15.89 19.61 3,471 2019 18.17 15.89 4,349 2018 16.31 18.17 7,306 2017 14.17 16.31 10,656 2016 15.43 14.17 17,549 2015 14.13 15.43 20,670 2014 10.27 14.13 40,071 2013 8.93 10.27 63,124 2012 9.35 8.93 69,059 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $22.16 $30.86 0 2020 16.57 22.16 0 2019 17.58 16.57 0 2018 14.12 17.58 0 2017 14.11 14.12 0 2016 13.74 14.11 0 2015 12.96 13.74 0 2014 9.45 12.96 0 2013 10.00 9.45 0 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $24.02 $33.36 0 2020 18.00 24.02 0 2019 19.16 18.00 0 2018 15.42 19.16 0 2017 15.45 15.42 0 2016 15.08 15.45 0 2015 14.26 15.08 0 2014 10.43 14.26 0 2013 9.40 10.43 0 2012 10.27 9.40 0 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $18.52 $17.91 0 2020 15.15 18.52 0 2019 17.68 15.15 0 2018 15.38 17.68 0 2017 13.44 15.38 22,409 2016 14.65 13.44 0 2015 13.73 14.65 0 2014 10.35 13.73 0 2013 8.90 10.35 0 2012 9.29 8.90 0 2011 --------------------------------------------------------------------------------------------------------------------------

B-52

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $18.69 $20.81 0 2020 14.81 18.69 23,669 2019 16.72 14.81 30,477 2018 15.11 16.72 26,616 2017 14.01 15.11 34,243 2016 15.20 14.01 0 2015 14.37 15.20 0 2014 11.37 14.37 0 2013 10.21 11.37 0 2012 10.44 10.21 0 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $15.95 $17.11 1,859 2020 13.59 15.95 14,645 2019 15.40 13.59 14,803 2018 14.21 15.40 15,059 2017 12.65 14.21 15,410 2016 13.28 12.65 17,190 2015 12.49 13.28 12,916 2014 10.22 12.49 13,913 2013 9.30 10.22 3,847 2012 9.63 9.30 4,202 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $13.97 $15.54 0 2020 11.14 13.97 9,725 2019 13.44 11.14 12,738 2018 11.19 13.44 13,318 2017 11.53 11.19 10,413 2016 12.10 11.53 27,066 2015 12.36 12.10 19,465 2014 10.65 12.36 22,910 2013 9.45 10.65 30,139 2012 10.38 9.45 21,670 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $12.74 $13.13 0 2020 10.01 12.74 0 2019 12.69 10.01 0 2018 11.07 12.69 0 2017 9.60 11.07 0 2016 10.99 9.60 0 2015 10.56 10.99 0 2014 8.10 10.56 0 2013 7.04 8.10 0 2012 7.45 7.04 0 2011 -------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. -------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.01 $12.87 3,875 2020 11.28 12.01 14,039 2019 11.87 11.28 15,835 2018 11.70 11.87 15,003 2017 11.46 11.70 19,874 2016 12.02 11.46 5,450 2015 11.89 12.02 32,559 2014 13.29 11.89 38,299 2013 12.65 13.29 39,699 2012 11.58 12.65 40,191 2011 --------------------------------------------------------------------------------------------------------------------

B-53

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $18.75 $21.95 0 2020 14.90 18.75 0 2019 16.33 14.90 0 2018 14.67 16.33 0 2017 12.15 14.67 0 2016 13.33 12.15 0 2015 12.97 13.33 0 2014 9.33 12.97 0 2013 8.43 9.33 0 2012 8.85 8.43 0 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $17.74 $17.89 0 2020 14.68 17.74 5,770 2019 16.34 14.68 7,110 2018 15.47 16.34 8,153 2017 13.44 15.47 18,497 2016 14.64 13.44 0 2015 13.65 14.64 0 2014 10.14 13.65 0 2013 9.11 10.14 0 2012 9.58 9.11 0 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $15.29 $18.05 88,926 2020 13.28 15.29 108,907 2019 14.69 13.28 126,195 2018 13.21 14.69 157,112 2017 13.01 13.21 194,972 2016 13.44 13.01 214,349 2015 13.48 13.44 243,892 2014 12.05 13.48 271,202 2013 11.20 12.05 336,514 2012 11.89 11.20 388,307 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $24.29 $34.07 0 2020 18.77 24.29 0 2019 18.68 18.77 0 2018 14.78 18.68 0 2017 14.05 14.78 0 2016 14.01 14.05 0 2015 12.57 14.01 0 2014 9.62 12.57 0 2013 8.57 9.62 0 2012 8.56 8.57 0 2011 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.64 $21.47 16,348 2020 12.91 16.64 6,131 2019 13.53 12.91 8,104 2018 10.40 13.53 16,330 2017 10.00 10.40 0 2016 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $11.97 $12.73 0 2020 9.78 11.97 0 2019 12.02 9.78 0 2018 9.66 12.02 0 2017 10.00 9.66 0 2016 -----------------------------------------------------------------------------------------------------------------------------

B-54

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $12.23 $12.20 4,078 2020 11.67 12.23 11,066 2019 11.95 11.67 15,128 2018 11.81 11.95 7,412 2017 11.08 11.81 9,819 2016 11.45 11.08 11,266 2015 11.64 11.45 27,429 2014 11.46 11.64 31,504 2013 10.92 11.46 27,784 2012 10.88 10.92 0 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $18.04 $18.60 0 2020 16.16 18.04 0 2019 17.11 16.16 0 2018 16.42 17.11 0 2017 14.66 16.42 0 2016 15.40 14.66 0 2015 15.38 15.40 0 2014 14.73 15.38 0 2013 13.18 14.73 0 2012 12.84 13.18 0 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $24.75 $31.10 1,580 2020 18.95 24.75 0 2019 18.71 18.95 0 2018 14.95 18.71 0 2017 14.78 14.95 0 2016 14.24 14.78 0 2015 13.30 14.24 0 2014 9.74 13.30 0 2013 8.51 9.74 0 2012 10.06 8.51 36,074 2011 --------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $19.42 $23.19 63,072 2020 16.00 19.42 75,851 2019 17.12 16.00 89,447 2018 15.07 17.12 92,437 2017 14.40 15.07 102,282 2016 14.68 14.40 110,048 2015 13.64 14.68 124,319 2014 11.69 13.64 188,918 2013 10.41 11.69 162,486 2012 11.07 10.41 205,572 2011 --------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $21.72 $27.66 326 2020 16.92 21.72 5,111 2019 18.53 16.92 6,695 2018 15.58 18.53 11,966 2017 14.79 15.58 11,076 2016 15.06 14.79 50,587 2015 13.79 15.06 62,913 2014 10.77 13.79 88,612 2013 9.48 10.77 128,359 2012 9.97 9.48 0 2011 ---------------------------------------------------------------------------------------------------------------------

B-55

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $21.83 $28.47 0 2020 17.20 21.83 0 2019 18.54 17.20 0 2018 15.35 18.54 0 2017 15.29 15.35 0 2016 15.48 15.29 0 2015 14.30 15.48 0 2014 10.58 14.30 0 2013 8.85 10.58 0 2012 9.30 8.85 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $17.14 $17.84 19,804 2020 13.79 17.14 5,958 2019 15.41 13.79 7,614 2018 13.99 15.41 8,650 2017 12.15 13.99 0 2016 12.97 12.15 25,806 2015 12.23 12.97 30,394 2014 9.78 12.23 45,978 2013 8.55 9.78 65,083 2012 8.68 8.55 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $20.37 $21.44 0 2020 16.06 20.37 0 2019 18.09 16.06 0 2018 15.86 18.09 0 2017 14.00 15.86 0 2016 14.69 14.00 0 2015 13.63 14.69 0 2014 10.46 13.63 0 2013 9.04 10.46 0 2012 9.12 9.04 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $31.31 $51.51 5,214 2020 22.78 31.31 438 2019 20.76 22.78 0 2018 15.82 20.76 0 2017 16.17 15.82 0 2016 15.69 16.17 19,308 2015 14.33 15.69 10,074 2014 10.65 14.33 13,147 2013 10.00 10.65 19,967 2012 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $26.62 $37.38 0 2020 20.32 26.62 0 2019 20.87 20.32 0 2018 15.83 20.87 0 2017 16.09 15.83 0 2016 15.39 16.09 0 2015 14.18 15.39 0 2014 10.66 14.18 0 2013 9.53 10.66 0 2012 9.74 9.53 0 2011 -----------------------------------------------------------------------------------------------------------------------

B-56

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $12.63 $13.48 18,468 2020 11.80 12.63 26,704 2019 12.16 11.80 30,399 2018 11.96 12.16 50,999 2017 11.70 11.96 68,020 2016 12.07 11.70 64,000 2015 11.68 12.07 45,582 2014 12.20 11.68 62,469 2013 11.81 12.20 78,106 2012 11.28 11.81 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $18.80 $21.67 420 2020 15.60 18.80 9,528 2019 18.72 15.60 11,619 2018 15.88 18.72 11,915 2017 14.51 15.88 18,047 2016 15.08 14.51 17,087 2015 14.54 15.08 36,782 2014 10.94 14.54 38,993 2013 9.77 10.94 58,700 2012 11.20 9.77 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $18.02 $19.04 0 2020 13.74 18.02 0 2019 17.03 13.74 0 2018 14.62 17.03 0 2017 13.68 14.62 0 2016 14.45 13.68 0 2015 13.87 14.45 0 2014 10.90 13.87 0 2013 8.77 10.90 0 2012 9.86 8.77 0 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $12.98 $14.18 3,552 2020 11.07 12.98 4,187 2019 12.53 11.07 4,975 2018 11.44 12.53 25,551 2017 10.34 11.44 26,629 2016 11.27 10.34 28,779 2015 11.20 11.27 39,237 2014 9.26 11.20 41,226 2013 8.21 9.26 44,512 2012 8.52 8.21 47,687 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $16.38 $16.13 212,475 2020 14.43 16.38 252,048 2019 15.42 14.43 304,023 2018 14.37 15.42 378,004 2017 12.89 14.37 441,114 2016 14.18 12.89 558,068 2015 13.86 14.18 665,777 2014 12.44 13.86 741,743 2013 11.29 12.44 900,106 2012 11.27 11.29 1,048,230 2011 ----------------------------------------------------------------------------------------------------------------

B-57

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $15.36 $14.26 0 2020 12.81 15.36 0 2019 14.41 12.81 0 2018 13.59 14.41 0 2017 11.98 13.59 0 2016 12.88 11.98 0 2015 12.30 12.88 0 2014 9.80 12.30 0 2013 8.77 9.80 0 2012 9.06 8.77 35,356 2011 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $11.67 $12.08 0 2020 10.37 11.67 0 2019 12.45 10.37 0 2018 10.74 12.45 0 2017 10.02 10.74 0 2016 10.95 10.02 0 2015 11.52 10.95 0 2014 9.01 11.52 0 2013 7.61 9.01 0 2012 8.36 7.61 0 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 8.82 $ 8.65 83,918 2020 8.85 8.82 15,913 2019 8.92 8.85 15,737 2018 9.07 8.92 29,031 2017 9.27 9.07 49,207 2016 9.48 9.27 21,350 2015 9.69 9.48 54,571 2014 9.91 9.69 18,779 2013 10.00 9.91 42,830 2012 ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $22.41 $24.99 35,135 2020 18.74 22.41 43,352 2019 19.08 18.74 49,656 2018 16.51 19.08 60,909 2017 16.18 16.51 58,468 2016 16.48 16.18 61,617 2015 15.57 16.48 55,401 2014 13.29 15.57 64,561 2013 11.98 13.29 61,883 2012 12.09 11.98 65,474 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $31.18 $42.40 0 2020 23.30 31.18 0 2019 23.42 23.30 0 2018 18.42 23.42 0 2017 18.48 18.42 9,353 2016 16.88 18.48 10,131 2015 15.91 16.88 14,061 2014 12.43 15.91 17,798 2013 10.26 12.43 25,758 2012 11.27 10.26 19,906 2011 ----------------------------------------------------------------------------------------------------------------------

B-58

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $21.59 $24.85 0 2020 17.69 21.59 0 2019 19.79 17.69 0 2018 17.44 19.79 0 2017 17.67 17.44 0 2016 18.42 17.67 0 2015 15.69 18.42 0 2014 10.89 15.69 0 2013 9.40 10.89 0 2012 9.40 9.40 0 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $19.46 $20.46 3,001 2020 15.14 19.46 3,022 2019 16.30 15.14 3,431 2018 14.00 16.30 8,096 2017 12.47 14.00 8,647 2016 13.34 12.47 11,017 2015 12.02 13.34 5,586 2014 9.78 12.02 7,717 2013 8.77 9.78 17,008 2012 8.32 8.77 17,652 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.13 $13.52 0 2020 10.42 13.13 0 2019 11.69 10.42 0 2018 10.41 11.69 0 2017 9.42 10.41 0 2016 9.92 9.42 0 2015 10.00 9.92 0 2014 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $22.85 $25.39 0 2020 17.80 22.85 0 2019 19.31 17.80 0 2018 16.05 19.31 0 2017 15.15 16.05 0 2016 15.49 15.15 0 2015 14.31 15.49 0 2014 11.11 14.31 0 2013 9.56 11.11 0 2012 10.01 9.56 0 2011 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $16.51 $17.68 9,713 2020 14.05 16.51 24,111 2019 15.27 14.05 29,747 2018 13.93 15.27 45,546 2017 13.09 13.93 50,466 2016 13.46 13.09 56,557 2015 12.72 13.46 50,203 2014 10.95 12.72 54,870 2013 10.10 10.95 68,667 2012 10.16 10.10 68,638 2011 ----------------------------------------------------------------------------------------------------------------------

B-59

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $24.23 $25.03 0 2020 19.85 24.23 0 2019 20.14 19.85 0 2018 17.99 20.14 0 2017 16.53 17.99 0 2016 19.83 16.53 0 2015 18.03 19.83 0 2014 15.33 18.03 0 2013 13.85 15.33 0 2012 13.30 13.85 0 2011 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $16.84 $20.13 0 2020 Service Class Shares 12.34 16.84 0 2019 12.54 12.34 0 2018 10.01 12.54 0 2017 9.67 10.01 0 2016 10.00 9.67 0 2015 ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $13.98 $14.76 0 2020 12.79 13.98 0 2019 13.84 12.79 0 2018 12.48 13.84 0 2017 11.30 12.48 0 2016 12.72 11.30 0 2015 12.95 12.72 0 2014 13.23 12.95 0 2013 11.78 13.23 0 2012 11.82 11.78 0 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $16.96 $17.54 3,347 2020 15.12 16.96 8,496 2019 15.88 15.12 7,548 2018 15.23 15.88 5,577 2017 13.85 15.23 7,644 2016 14.39 13.85 22,648 2015 14.24 14.39 16,489 2014 13.77 14.24 12,894 2013 12.32 13.77 15,425 2012 12.19 12.32 24,988 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $18.78 $21.56 6,911 2020 16.95 18.78 7,088 2019 17.75 16.95 6,417 2018 16.66 17.75 5,003 2017 16.92 16.66 7,014 2016 17.54 16.92 0 2015 14.46 17.54 0 2014 16.99 14.46 0 2013 16.63 16.99 0 2012 13.30 16.63 0 2011 ----------------------------------------------------------------------------------------------------------------------------

B-60

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.30 $11.38 21,810 2020 11.10 11.30 8,963 2019 11.32 11.10 9,662 2018 11.42 11.32 7,823 2017 11.51 11.42 10,158 2016 11.73 11.51 27,163 2015 11.90 11.73 86,814 2014 12.18 11.90 92,149 2013 11.77 12.18 104,450 2012 11.90 11.77 103,852 2011 --------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $14.69 $15.60 13,310 2020 13.86 14.69 23,541 2019 14.25 13.86 29,101 2018 13.88 14.25 43,585 2017 13.83 13.88 58,645 2016 14.07 13.83 67,719 2015 13.80 14.07 44,638 2014 14.39 13.80 59,466 2013 13.43 14.39 66,325 2012 13.25 13.43 76,162 2011 --------------------------------------------------------------------------------------------------------------- Rydex Variable Trust --------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $36.01 $51.05 0 2020 26.90 36.01 0 2019 28.02 26.90 0 2018 21.85 28.02 0 2017 21.08 21.85 0 2016 19.91 21.08 0 2015 17.33 19.91 0 2014 13.17 17.33 0 2013 11.53 13.17 0 2012 11.54 11.53 0 2011 --------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. --------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $11.90 $12.46 0 2020 11.20 11.90 0 2019 11.62 11.20 0 2018 11.51 11.62 0 2017 11.43 11.51 0 2016 11.73 11.43 0 2015 11.41 11.73 0 2014 11.83 11.41 0 2013 11.44 11.83 0 2012 10.91 11.44 0 2011 --------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $27.38 $35.77 0 2020 20.38 27.38 0 2019 21.41 20.38 0 2018 17.06 21.41 0 2017 17.02 17.06 0 2016 16.85 17.02 0 2015 15.11 16.85 0 2014 11.45 15.11 0 2013 9.69 11.45 0 2012 9.86 9.69 0 2011 ---------------------------------------------------------------------------------------------------------------

B-61

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $21.44 $19.87 2,539 2020 17.37 21.44 3,200 2019 18.84 17.37 3,948 2018 18.20 18.84 4,703 2017 17.23 18.20 6,472 2016 16.85 17.23 7,400 2015 13.06 16.85 9,396 2014 13.02 13.06 21,069 2013 11.40 13.02 8,296 2012 10.61 11.40 9,236 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $23.29 $26.86 0 2020 18.17 23.29 0 2019 19.50 18.17 0 2018 16.41 19.50 0 2017 15.03 16.41 0 2016 15.21 15.03 0 2015 13.73 15.21 0 2014 10.64 13.73 0 2013 9.40 10.64 0 2012 9.45 9.40 0 2011 -------------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $20.24 $22.67 0 2020 16.41 20.24 0 2019 18.58 16.41 0 2018 16.86 18.58 0 2017 13.92 16.86 0 2016 14.85 13.92 0 2015 14.63 14.85 0 2014 10.93 14.63 0 2013 9.75 10.93 0 2012 9.67 9.75 0 2011 -------------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $14.02 $14.56 351,350 2020 12.41 14.02 436,487 2019 13.59 12.41 535,551 2018 12.05 13.59 646,232 2017 11.62 12.05 761,284 2016 12.04 11.62 899,556 2015 11.72 12.04 1,075,172 2014 10.45 11.72 1,223,905 2013 9.52 10.45 1,592,801 2012 10.04 9.52 1,812,067 2011 -------------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $22.43 $26.91 0 2020 17.41 22.43 0 2019 18.43 17.41 0 2018 15.71 18.43 0 2017 14.70 15.71 0 2016 15.38 14.70 0 2015 13.95 15.38 0 2014 10.65 13.95 0 2013 9.40 10.65 0 2012 9.90 9.40 0 2011 --------------------------------------------------------------------------------------------------------------

B-62

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $21.84 $27.86 0 2020 17.39 21.84 0 2019 18.86 17.39 0 2018 14.87 18.86 0 2017 15.01 14.87 0 2016 14.50 15.01 0 2015 13.90 14.50 0 2014 10.99 13.90 0 2013 10.15 10.99 0 2012 10.87 10.15 0 2011 ----------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $28.19 $42.90 0 2020 21.70 28.19 0 2019 22.46 21.70 0 2018 16.87 22.46 0 2017 17.47 16.87 0 2016 16.09 17.47 0 2015 15.01 16.09 0 2014 11.20 15.01 0 2013 9.89 11.20 0 2012 10.12 9.89 0 2011 ----------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 6.09 $ 6.66 7,574 2020 5.65 6.09 22,527 2019 7.08 5.65 24,805 2018 7.28 7.08 19,457 2017 5.96 7.28 15,549 2016 8.57 5.96 10,262 2015 10.92 8.57 9,358 2014 10.17 10.92 8,552 2013 10.72 10.17 10,529 2012 13.59 10.72 0 2011 ----------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust ----------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $32.01 $44.83 0 2020 23.89 32.01 0 2019 24.36 23.89 0 2018 18.50 24.36 0 2017 18.82 18.50 0 2016 18.99 18.82 0 2015 18.69 18.99 0 2014 13.66 18.69 0 2013 11.61 13.66 0 2012 12.56 11.61 0 2011 -----------------------------------------------------------------------------------------------------------

B-63 Lifetime Income Plus (for Joint Annuitant contracts) Elected -- reset on or after 07/15/19

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. --------------------------------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $10.38 $11.03 0 2020 10.00 10.38 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $10.56 $14.29 0 2020 10.00 10.56 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $10.62 $10.59 0 2020 10.00 10.62 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $10.60 $10.54 453 2020 10.00 10.60 254 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $10.83 $14.25 0 2020 10.00 10.83 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $10.27 $15.35 310 2020 10.00 10.27 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $10.88 $14.42 0 2020 10.00 10.88 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $10.31 $11.50 0 2020 10.00 10.31 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $10.39 $14.17 0 2020 Series II Shares 10.00 10.39 0 2019 - ----------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $10.63 $13.17 1,825 2020 10.00 10.63 169 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $10.59 $11.72 0 2020 10.00 10.59 1,101 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $10.80 $12.57 377 2020 Series II Shares 10.00 10.80 166 2019 - ----------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $10.89 $15.09 0 2020 10.00 10.89 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $10.88 $15.03 0 2020 10.00 10.88 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $10.71 $10.31 0 2020 10.00 10.71 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $10.69 $11.84 0 2020 10.00 10.69 1,092 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $10.43 $11.12 0 2020 10.00 10.43 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $10.56 $11.68 0 2020 10.00 10.56 341 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $10.68 $10.95 0 2020 10.00 10.68 0 2019 --------------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. --------------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $10.08 $10.74 441 2020 10.00 10.08 434 2019 ---------------------------------------------------------------------------------------------------------------------------------

B-64

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $10.59 $12.33 0 2020 10.00 10.59 0 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $10.59 $10.63 0 2020 10.00 10.59 255 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $10.49 $12.32 4,049 2020 10.00 10.49 0 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $10.28 $14.35 0 2020 10.00 10.28 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $10.53 $13.52 2,472 2020 10.00 10.53 256 2019 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $10.77 $11.40 0 2020 10.00 10.77 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust ----------------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $10.08 $10.00 472 2020 10.00 10.08 349 2019 ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $10.23 $10.50 0 2020 10.00 10.23 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $10.33 $12.91 363 2020 10.00 10.33 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund ----------------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $10.63 $12.63 0 2020 10.00 10.63 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $10.62 $13.45 0 2020 10.00 10.62 255 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $10.65 $13.81 0 2020 10.00 10.65 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $10.72 $11.11 3,011 2020 10.00 10.72 251 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $10.96 $11.48 0 2020 10.00 10.96 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $10.88 $17.80 1,349 2020 10.00 10.88 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $10.76 $15.03 0 2020 10.00 10.76 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $10.14 $10.77 2,197 2020 10.00 10.14 862 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $10.35 $11.87 0 2020 10.00 10.35 434 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $10.81 $11.36 0 2020 10.00 10.81 0 2019 -----------------------------------------------------------------------------------------------------------------------------

B-65

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $10.44 $11.35 0 2020 10.00 10.44 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $10.30 $10.09 2,095 2020 10.00 10.30 488 2019 ---------------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $10.57 $ 9.77 0 2020 10.00 10.57 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $10.63 $10.94 0 2020 10.00 10.63 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.95 $ 9.70 0 2020 10.00 9.95 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $10.62 $11.78 0 2020 10.00 10.62 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $10.80 $14.61 0 2020 10.00 10.80 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $10.98 $12.58 0 2020 10.00 10.98 0 2019 ---------------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $10.69 $11.18 0 2020 10.00 10.69 0 2019 ---------------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $10.62 $10.88 0 2020 10.00 10.62 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $10.61 $11.73 0 2020 10.00 10.61 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $10.46 $11.15 2,980 2020 10.00 10.46 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $10.51 $10.80 0 2020 10.00 10.51 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $10.95 $13.02 0 2020 Service Class Shares 10.00 10.95 0 2019 - ----------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $10.20 $10.71 0 2020 10.00 10.20 0 2019 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $10.24 $10.54 449 2020 10.00 10.24 345 2019 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $10.16 $11.60 1,220 2020 10.00 10.16 336 2019 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $10.01 $10.03 2,352 2020 10.00 10.01 262 2019 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $10.10 $10.67 1,771 2020 10.00 10.10 863 2019 ----------------------------------------------------------------------------------------------------------------------------

B-66

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Rydex Variable Trust -------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $11.02 $15.54 0 2020 10.00 11.02 0 2019 -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $10.09 $10.51 0 2020 10.00 10.09 0 2019 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $11.06 $14.38 0 2020 10.00 11.06 0 2019 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $10.24 $ 9.44 506 2020 10.00 10.24 171 2019 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $10.80 $12.39 0 2020 10.00 10.80 0 2019 -------------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $10.61 $11.83 0 2020 10.00 10.61 0 2019 -------------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $10.24 $10.58 16,279 2020 10.00 10.24 10,619 2019 -------------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $10.78 $12.86 0 2020 10.00 10.78 0 2019 -------------------------------------------------------------------------------------------------------------- The Prudential Series Fund -------------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $10.69 $13.56 0 2020 10.00 10.69 0 2019 -------------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $10.71 $16.21 0 2020 10.00 10.71 0 2019 -------------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 9.72 $10.57 451 2020 10.00 9.72 375 2019 -------------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $10.43 $14.53 0 2020 10.00 10.43 0 2019 --------------------------------------------------------------------------------------------------------------

B-67 Lifetime Income Plus 2007 (for Joint Annuitant contracts) Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $13.64 $14.56 37,534 2020 11.81 13.64 38,278 2019 12.92 11.81 38,854 2018 11.44 12.92 39,146 2017 11.21 11.44 39,881 2016 11.32 11.21 33,946 2015 10.82 11.32 15,402 2014 9.53 10.82 16,928 2013 8.60 9.53 26,371 2012 9.08 8.60 29,554 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $15.22 $20.68 0 2020 12.00 15.22 0 2019 13.65 12.00 0 2018 10.25 13.65 0 2017 10.58 10.25 0 2016 10.55 10.58 0 2015 10.30 10.55 0 2014 8.58 10.30 0 2013 7.76 8.58 0 2012 10.36 7.76 0 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $17.75 $17.77 0 2020 14.70 17.75 0 2019 15.98 14.70 0 2018 13.79 15.98 0 2017 12.71 13.79 0 2016 12.82 12.71 0 2015 12.01 12.82 0 2014 9.13 12.01 0 2013 7.97 9.13 0 2012 7.69 7.97 0 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $ 6.24 $ 6.23 12,660 2020 5.47 6.24 19,696 2019 7.26 5.47 21,183 2018 5.94 7.26 21,227 2017 6.13 5.94 66,250 2016 6.13 6.13 51,934 2015 6.71 6.13 46,347 2014 5.59 6.71 43,350 2013 5.01 5.59 74,392 2012 6.37 5.01 73,131 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $27.17 $35.87 0 2020 20.70 27.17 0 2019 20.71 20.70 0 2018 16.09 20.71 0 2017 16.09 16.09 0 2016 14.86 16.09 0 2015 13.36 14.86 0 2014 9.98 13.36 0 2013 8.75 9.98 0 2012 9.31 8.75 0 2011 ----------------------------------------------------------------------------------------------------------

B-68

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $28.53 $42.82 1,855 2020 21.47 28.53 0 2019 22.22 21.47 0 2018 17.00 22.22 0 2017 16.38 17.00 0 2016 17.03 16.38 0 2015 17.80 17.03 8,519 2014 12.54 17.80 0 2013 11.18 12.54 0 2012 10.98 11.18 0 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $19.40 $25.83 0 2020 14.62 19.40 0 2019 15.91 14.62 0 2018 12.88 15.91 0 2017 13.51 12.88 0 2016 13.39 13.51 0 2015 11.90 13.39 0 2014 9.41 11.90 0 2013 8.46 9.41 0 2012 8.78 8.46 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $10.28 $11.51 25,294 2020 8.98 10.28 30,213 2019 9.73 8.98 30,114 2018 9.14 9.73 31,496 2017 8.91 9.14 32,287 2016 9.07 8.91 11,970 2015 8.59 9.07 13,821 2014 7.80 8.59 15,461 2013 7.12 7.80 16,600 2012 7.26 7.12 18,103 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $20.29 $27.81 0 2020 Series II Shares 14.94 20.29 0 2019 16.33 14.94 0 2018 13.01 16.33 0 2017 13.04 13.01 0 2016 12.55 13.04 0 2015 12.17 12.55 0 2014 9.19 12.17 0 2013 8.10 9.19 0 2012 8.22 8.10 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $17.38 $21.62 18,269 2020 13.53 17.38 4,699 2019 16.00 13.53 5,722 2018 12.01 16.00 12,800 2017 12.31 12.01 14,045 2016 12.15 12.31 20,749 2015 12.19 12.15 23,442 2014 9.83 12.19 19,506 2013 8.31 9.83 22,110 2012 9.30 8.31 26,024 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-69

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $19.10 $21.22 0 2020 14.84 19.10 27,869 2019 16.53 14.84 33,589 2018 14.51 16.53 30,685 2017 13.34 14.51 38,587 2016 13.24 13.34 28,623 2015 12.28 13.24 32,496 2014 9.56 12.28 38,652 2013 8.39 9.56 45,393 2012 8.62 8.39 103,702 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $19.56 $22.86 3,742 2020 Series II Shares 15.87 19.56 4,535 2019 18.16 15.87 5,201 2018 16.32 18.16 8,387 2017 14.19 16.32 10,314 2016 15.47 14.19 17,852 2015 14.18 15.47 18,721 2014 10.32 14.18 34,311 2013 8.98 10.32 43,419 2012 9.41 8.98 50,253 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $21.97 $30.55 0 2020 16.44 21.97 0 2019 17.46 16.44 0 2018 14.04 17.46 0 2017 14.05 14.04 0 2016 13.69 14.05 0 2015 12.92 13.69 0 2014 9.44 12.92 0 2013 10.00 9.44 0 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $16.78 $16.21 0 2020 13.74 16.78 0 2019 16.05 13.74 0 2018 13.97 16.05 0 2017 12.23 13.97 23,883 2016 13.34 12.23 0 2015 12.51 13.34 0 2014 9.44 12.51 1,513 2013 8.13 9.44 1,800 2012 8.50 8.13 3,667 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $17.10 $19.02 0 2020 13.57 17.10 31,149 2019 15.33 13.57 36,704 2018 13.86 15.33 33,228 2017 12.87 13.86 36,233 2016 13.98 12.87 0 2015 13.23 13.98 0 2014 10.48 13.23 0 2013 9.42 10.48 0 2012 9.64 9.42 0 2011 --------------------------------------------------------------------------------------------------------------------------

B-70

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $15.75 $16.87 10,606 2020 13.43 15.75 10,769 2019 15.23 13.43 11,698 2018 14.07 15.23 11,927 2017 12.54 14.07 18,966 2016 13.18 12.54 18,091 2015 12.40 13.18 12,124 2014 10.16 12.40 7,734 2013 9.26 10.16 6,641 2012 9.60 9.26 14,278 2011 ----------------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $12.71 $14.12 0 2020 10.14 12.71 12,908 2019 12.24 10.14 15,423 2018 10.21 12.24 16,783 2017 10.52 10.21 11,184 2016 11.06 10.52 30,229 2015 11.31 11.06 19,454 2014 9.75 11.31 23,055 2013 8.66 9.75 24,386 2012 9.53 8.66 20,668 2011 ----------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $11.88 $12.22 0 2020 9.34 11.88 0 2019 11.86 9.34 0 2018 10.35 11.86 0 2017 8.99 10.35 0 2016 10.30 8.99 0 2015 9.91 10.30 0 2014 7.61 9.91 0 2013 6.62 7.61 0 2012 7.01 6.62 0 2011 ----------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. ----------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $11.61 $12.43 6,277 2020 10.91 11.61 17,403 2019 11.50 10.91 17,998 2018 11.35 11.50 17,782 2017 11.13 11.35 20,003 2016 11.68 11.13 5,833 2015 11.57 11.68 30,833 2014 12.94 11.57 33,413 2013 12.34 12.94 27,716 2012 11.30 12.34 29,159 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $18.74 $21.90 0 2020 14.91 18.74 0 2019 16.35 14.91 0 2018 14.70 16.35 0 2017 12.19 14.70 0 2016 13.38 12.19 0 2015 13.04 13.38 0 2014 9.39 13.04 0 2013 8.49 9.39 0 2012 8.92 8.49 0 2011 -----------------------------------------------------------------------------------------------------------------------------

B-71

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------------ BlackRock Basic Value V.I. Fund -- Class III Shares $15.77 $15.89 0 2020 13.07 15.77 7,811 2019 14.56 13.07 8,802 2018 13.80 14.56 10,455 2017 12.00 13.80 20,111 2016 13.08 12.00 0 2015 12.21 13.08 0 2014 9.08 12.21 0 2013 8.17 9.08 0 2012 8.60 8.17 0 2011 ------------------------------------------------------------------------------------------------------------------------ BlackRock Global Allocation V.I. Fund -- Class III Shares $14.49 $17.08 81,429 2020 12.59 14.49 98,599 2019 13.95 12.59 126,312 2018 12.55 13.95 155,029 2017 12.38 12.55 209,070 2016 12.80 12.38 263,056 2015 12.85 12.80 304,464 2014 11.49 12.85 382,775 2013 10.70 11.49 424,832 2012 11.36 10.70 432,836 2011 ------------------------------------------------------------------------------------------------------------------------ BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $23.67 $33.17 0 2020 18.31 23.67 0 2019 18.24 18.31 0 2018 14.44 18.24 0 2017 13.75 14.44 0 2016 13.72 13.75 0 2015 12.33 13.72 0 2014 9.44 12.33 0 2013 8.42 9.44 0 2012 8.42 8.42 0 2011 ------------------------------------------------------------------------------------------------------------------------ Columbia Funds Variable Series Trust II ------------------------------------------------------------------------------------------------------------------------ CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.58 $21.37 25,659 2020 12.88 16.58 7,414 2019 13.51 12.88 8,978 2018 10.39 13.51 18,728 2017 10.00 10.39 0 2016 ------------------------------------------------------------------------------------------------------------------------ Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $11.92 $12.67 0 2020 9.75 11.92 0 2019 12.00 9.75 0 2018 9.65 12.00 87 2017 10.00 9.65 115 2016 ------------------------------------------------------------------------------------------------------------------------ Eaton Vance Variable Trust ------------------------------------------------------------------------------------------------------------------------ VT Floating -- Rate Income Fund $11.84 $11.80 8,860 2020 11.32 11.84 16,023 2019 11.59 11.32 19,506 2018 11.47 11.59 8,897 2017 10.78 11.47 10,005 2016 11.14 10.78 12,047 2015 11.34 11.14 25,870 2014 11.18 11.34 28,697 2013 10.66 11.18 20,525 2012 10.64 10.66 2,201 2011 ------------------------------------------------------------------------------------------------------------------------

B-72

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series ----------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $16.91 $17.42 0 2020 15.17 16.91 0 2019 16.08 15.17 0 2018 15.44 16.08 0 2017 13.80 15.44 0 2016 14.52 13.80 0 2015 14.51 14.52 0 2014 13.91 14.51 0 2013 12.46 13.91 0 2012 12.15 12.46 0 2011 ----------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $23.69 $29.74 2,600 2020 18.16 23.69 0 2019 17.95 18.16 0 2018 14.35 17.95 0 2017 14.21 14.35 0 2016 13.70 14.21 0 2015 12.81 13.70 0 2014 9.39 12.81 0 2013 8.21 9.39 0 2012 9.72 8.21 26,367 2011 ----------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund ----------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $18.41 $21.97 51,418 2020 15.19 18.41 50,936 2019 16.27 15.19 56,816 2018 14.34 16.27 62,504 2017 13.72 14.34 79,247 2016 13.99 13.72 69,673 2015 13.02 13.99 74,010 2014 11.17 13.02 77,814 2013 9.96 11.17 86,643 2012 10.60 9.96 95,435 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $20.86 $26.54 505 2020 16.26 20.86 6,550 2019 17.83 16.26 7,952 2018 15.01 17.83 14,316 2017 14.26 15.01 11,245 2016 14.54 14.26 53,485 2015 13.33 14.54 59,337 2014 10.42 13.33 78,470 2013 9.18 10.42 91,764 2012 9.66 9.18 3,188 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $21.27 $27.71 0 2020 16.77 21.27 0 2019 18.10 16.77 0 2018 15.00 18.10 0 2017 14.95 15.00 0 2016 15.15 14.95 0 2015 14.01 15.15 0 2014 10.38 14.01 0 2013 8.69 10.38 0 2012 9.14 8.69 0 2011 -----------------------------------------------------------------------------------------------------------------------

B-73

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $15.43 $16.04 34,391 2020 12.42 15.43 7,963 2019 13.91 12.42 9,305 2018 12.63 13.91 11,000 2017 10.98 12.63 43 2016 11.74 10.98 28,995 2015 11.08 11.74 30,590 2014 8.87 11.08 44,069 2013 7.76 8.87 50,247 2012 7.89 7.76 3,085 2011 ---------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $18.97 $19.94 0 2020 14.97 18.97 0 2019 16.87 14.97 0 2018 14.81 16.87 0 2017 13.09 14.81 0 2016 13.75 13.09 0 2015 12.76 13.75 0 2014 9.80 12.76 0 2013 8.49 9.80 0 2012 8.57 8.49 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $31.05 $51.04 7,752 2020 22.62 31.05 0 2019 20.64 22.62 0 2018 15.74 20.64 50 2017 16.10 15.74 70 2016 15.64 16.10 19,786 2015 14.30 15.64 9,208 2014 10.64 14.30 11,043 2013 10.00 10.64 13,601 2012 ---------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $25.76 $36.13 0 2020 19.68 25.76 0 2019 20.23 19.68 0 2018 15.36 20.23 0 2017 15.63 15.36 0 2016 14.97 15.63 0 2015 13.80 14.97 0 2014 10.39 13.80 0 2013 9.29 10.39 0 2012 9.51 9.29 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $12.46 $13.29 29,288 2020 11.66 12.46 32,408 2019 12.03 11.66 33,893 2018 11.84 12.03 60,090 2017 11.60 11.84 68,115 2016 11.97 11.60 67,324 2015 11.60 11.97 42,220 2014 12.13 11.60 54,632 2013 11.76 12.13 54,484 2012 11.24 11.76 2,010 2011 ----------------------------------------------------------------------------------------------------------------

B-74

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $18.84 $21.70 0 2020 15.66 18.84 10,866 2019 18.81 15.66 12,159 2018 15.97 18.81 13,583 2017 14.60 15.97 17,454 2016 15.19 14.60 17,336 2015 14.67 15.19 33,211 2014 11.05 14.67 32,905 2013 9.87 11.05 40,059 2012 11.33 9.87 1,150 2011 ----------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $16.82 $17.75 0 2020 12.84 16.82 0 2019 15.93 12.84 0 2018 13.69 15.93 0 2017 12.82 13.69 0 2016 13.56 12.82 0 2015 13.03 13.56 0 2014 10.24 13.03 0 2013 8.25 10.24 0 2012 9.28 8.25 0 2011 ----------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ----------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $12.82 $13.99 110,914 2020 10.94 12.82 149,680 2019 12.40 10.94 175,665 2018 11.33 12.40 192,141 2017 10.25 11.33 212,701 2016 11.18 10.25 239,810 2015 11.13 11.18 299,654 2014 9.20 11.13 324,283 2013 8.17 9.20 349,934 2012 8.49 8.17 389,162 2011 ----------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $14.65 $14.42 144,705 2020 12.92 14.65 195,358 2019 13.83 12.92 251,323 2018 12.90 13.83 308,214 2017 11.58 12.90 348,497 2016 12.75 11.58 418,786 2015 12.48 12.75 491,898 2014 11.21 12.48 621,839 2013 10.18 11.21 667,598 2012 10.18 10.18 710,454 2011 ----------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $13.95 $12.94 0 2020 11.65 13.95 0 2019 13.12 11.65 0 2018 12.39 13.12 0 2017 10.93 12.39 0 2016 11.76 10.93 0 2015 11.24 11.76 0 2014 8.97 11.24 0 2013 8.04 8.97 0 2012 8.31 8.04 27,162 2011 -----------------------------------------------------------------------------------------------------------

B-75

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $10.50 $10.85 0 2020 9.33 10.50 0 2019 11.22 9.33 0 2018 9.69 11.22 0 2017 9.05 9.69 0 2016 9.90 9.05 0 2015 10.43 9.90 0 2014 8.16 10.43 0 2013 6.90 8.16 0 2012 7.59 6.90 0 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 8.75 $ 8.57 0 2020 8.79 8.75 0 2019 8.87 8.79 53,117 2018 9.03 8.87 22,811 2017 9.24 9.03 19,351 2016 9.46 9.24 17,104 2015 9.68 9.46 127,885 2014 9.91 9.68 4,766 2013 10.00 9.91 26,690 2012 ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $20.94 $23.32 58,138 2020 17.53 20.94 65,850 2019 17.86 17.53 70,764 2018 15.48 17.86 75,228 2017 15.18 15.48 91,427 2016 15.48 15.18 115,159 2015 14.64 15.48 101,982 2014 12.50 14.64 111,806 2013 11.29 12.50 116,500 2012 11.40 11.29 115,056 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $29.26 $39.75 0 2020 21.89 29.26 0 2019 22.03 21.89 0 2018 17.34 22.03 23 2017 17.41 17.34 9,661 2016 15.92 17.41 10,986 2015 15.02 15.92 13,582 2014 11.75 15.02 17,068 2013 9.71 11.75 19,944 2012 10.68 9.71 17,829 2011 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $20.57 $23.66 0 2020 16.88 20.57 0 2019 18.89 16.88 0 2018 16.67 18.89 0 2017 16.91 16.67 0 2016 17.65 16.91 0 2015 15.04 17.65 0 2014 10.45 15.04 0 2013 9.03 10.45 0 2012 9.04 9.03 0 2011 ----------------------------------------------------------------------------------------------------------------------

B-76

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.07 $13.44 0 2020 10.38 13.07 0 2019 11.66 10.38 0 2018 10.39 11.66 0 2017 9.41 10.39 0 2016 9.92 9.41 0 2015 10.00 9.92 0 2014 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $21.12 $23.44 0 2020 16.47 21.12 0 2019 17.88 16.47 0 2018 14.87 17.88 0 2017 14.05 14.87 0 2016 14.39 14.05 0 2015 13.30 14.39 0 2014 10.34 13.30 0 2013 8.90 10.34 0 2012 9.34 8.90 0 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $15.26 $16.32 30,602 2020 13.00 15.26 32,468 2019 14.14 13.00 34,343 2018 12.92 14.14 35,869 2017 12.15 12.92 38,784 2016 12.51 12.15 19,812 2015 11.83 12.51 20,013 2014 10.19 11.83 26,963 2013 9.41 10.19 27,713 2012 9.48 9.41 30,065 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $19.56 $20.18 0 2020 16.04 19.56 0 2019 16.29 16.04 0 2018 14.56 16.29 0 2017 13.40 14.56 0 2016 16.08 13.40 0 2015 14.64 16.08 0 2014 12.46 14.64 0 2013 11.27 12.46 0 2012 10.83 11.27 0 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $16.76 $20.01 0 2020 Service Class Shares 12.29 16.76 0 2019 12.51 12.29 0 2018 9.99 12.51 0 2017 9.66 9.99 0 2016 10.00 9.66 0 2015 -------------------------------------------------------------------------------------------------------------------

B-77

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $13.29 $14.01 0 2020 12.17 13.29 0 2019 13.18 12.17 0 2018 11.90 13.18 0 2017 10.78 11.90 0 2016 12.15 10.78 0 2015 12.38 12.15 0 2014 12.66 12.38 0 2013 11.29 12.66 0 2012 11.34 11.29 0 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $16.01 $16.54 4,712 2020 14.29 16.01 10,154 2019 15.02 14.29 8,196 2018 14.42 15.02 6,969 2017 13.13 14.42 8,096 2016 13.66 13.13 24,669 2015 13.53 13.66 15,882 2014 13.10 13.53 11,497 2013 11.73 13.10 11,005 2012 11.62 11.73 18,529 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $17.29 $19.83 11,774 2020 15.62 17.29 9,202 2019 16.38 15.62 7,662 2018 15.38 16.38 6,207 2017 15.64 15.38 7,392 2016 16.23 15.64 0 2015 13.40 16.23 0 2014 15.75 13.40 1,084 2013 15.44 15.75 818 2012 12.36 15.44 1,564 2011 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $10.92 $10.99 35,288 2020 10.75 10.92 11,105 2019 10.97 10.75 10,986 2018 11.07 10.97 9,685 2017 11.18 11.07 10,683 2016 11.40 11.18 29,035 2015 11.57 11.40 82,032 2014 11.86 11.57 88,018 2013 11.47 11.86 79,516 2012 11.61 11.47 87,652 2011 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $14.00 $14.86 20,934 2020 13.22 14.00 28,831 2019 13.61 13.22 32,874 2018 13.27 13.61 53,212 2017 13.23 13.27 60,868 2016 13.48 13.23 73,403 2015 13.23 13.48 42,812 2014 13.82 13.23 53,786 2013 12.91 13.82 47,894 2012 12.75 12.91 57,912 2011 ----------------------------------------------------------------------------------------------------------------------------

B-78

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Rydex Variable Trust -------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $34.06 $48.24 0 2020 25.47 34.06 0 2019 26.56 25.47 0 2018 20.73 26.56 0 2017 20.02 20.73 0 2016 18.93 20.02 0 2015 16.50 18.93 0 2014 12.54 16.50 0 2013 10.99 12.54 0 2012 11.01 10.99 0 2011 -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $11.33 $11.85 0 2020 10.68 11.33 0 2019 11.09 10.68 0 2018 10.99 11.09 0 2017 10.93 10.99 0 2016 11.23 10.93 0 2015 10.94 11.23 0 2014 11.34 10.94 0 2013 10.99 11.34 0 2012 10.49 10.99 0 2011 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $25.75 $33.62 0 2020 19.19 25.75 0 2019 20.18 19.19 0 2018 16.10 20.18 0 2017 16.08 16.10 0 2016 15.93 16.08 0 2015 14.30 15.93 0 2014 10.85 14.30 0 2013 9.19 10.85 0 2012 9.36 9.19 0 2011 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $17.49 $16.19 4,841 2020 14.19 17.49 4,654 2019 15.40 14.19 5,329 2018 14.90 15.40 6,678 2017 14.12 14.90 7,753 2016 13.82 14.12 9,215 2015 10.72 13.82 10,410 2014 10.70 10.72 21,710 2013 9.37 10.70 6,814 2012 8.73 9.37 7,848 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $21.16 $24.38 0 2020 16.53 21.16 0 2019 17.76 16.53 0 2018 14.96 17.76 0 2017 13.72 14.96 0 2016 13.89 13.72 0 2015 12.55 13.89 0 2014 9.73 12.55 906 2013 8.61 9.73 1,027 2012 8.67 8.61 2,059 2011 --------------------------------------------------------------------------------------------------------------

B-79

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $20.19 $22.59 0 2020 16.39 20.19 0 2019 18.58 16.39 0 2018 16.87 18.58 0 2017 13.95 16.87 0 2016 14.89 13.95 0 2015 14.69 14.89 0 2014 10.98 14.69 0 2013 9.81 10.98 0 2012 9.74 9.81 0 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $13.09 $13.57 314,292 2020 11.59 13.09 407,348 2019 12.71 11.59 458,954 2018 11.28 12.71 525,811 2017 10.89 11.28 616,378 2016 11.29 10.89 708,365 2015 11.00 11.29 795,889 2014 9.82 11.00 1,026,074 2013 8.96 9.82 1,130,988 2012 9.46 8.96 1,217,767 2011 ----------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $20.41 $24.45 0 2020 15.85 20.41 0 2019 16.80 15.85 0 2018 14.34 16.80 0 2017 13.42 14.34 0 2016 14.06 13.42 0 2015 12.76 14.06 0 2014 9.76 12.76 0 2013 8.62 9.76 0 2012 9.09 8.62 0 2011 ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $20.30 $25.87 0 2020 16.19 20.30 0 2019 17.57 16.19 0 2018 13.86 17.57 0 2017 14.02 13.86 0 2016 13.55 14.02 0 2015 13.00 13.55 0 2014 10.29 13.00 1,158 2013 9.52 10.29 1,294 2012 10.20 9.52 2,390 2011 ----------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $27.64 $42.00 0 2020 21.30 27.64 0 2019 22.06 21.30 0 2018 16.59 22.06 0 2017 17.20 16.59 0 2016 15.85 17.20 0 2015 14.81 15.85 0 2014 11.05 14.81 0 2013 9.78 11.05 0 2012 10.02 9.78 0 2011 -----------------------------------------------------------------------------------------------------------

B-80

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 6.25 $ 6.83 11,599 2020 5.81 6.25 26,464 2019 7.29 5.81 26,583 2018 7.50 7.29 21,502 2017 6.15 7.50 14,747 2016 8.84 6.15 10,186 2015 11.28 8.84 8,217 2014 10.52 11.28 7,319 2013 11.10 10.52 7,237 2012 14.08 11.10 495 2011 -------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $31.71 $44.35 0 2020 23.68 31.71 0 2019 24.17 23.68 0 2018 18.38 24.17 0 2017 18.72 18.38 0 2016 18.90 18.72 0 2015 18.63 18.90 0 2014 13.63 18.63 0 2013 11.59 13.63 0 2012 12.56 11.59 0 2011 --------------------------------------------------------------------------------------------------------

B-81 Lifetime Income Plus 2007 (for Joint Annuitant contracts) Elected -- reset on or after 07/15/19

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. --------------------------------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $10.38 $11.03 0 2020 10.00 10.38 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $10.56 $14.29 0 2020 10.00 10.56 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $10.62 $10.59 0 2020 10.00 10.62 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $10.60 $10.54 95 2020 10.00 10.60 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $10.83 $14.25 0 2020 10.00 10.83 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $10.27 $15.35 67 2020 10.00 10.27 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $10.88 $14.42 0 2020 10.00 10.88 0 2019 - ----------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $10.31 $11.50 0 2020 10.00 10.31 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $10.39 $14.17 0 2020 Series II Shares 10.00 10.39 0 2019 - ----------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $10.63 $13.17 379 2020 10.00 10.63 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $10.59 $11.72 0 2020 10.00 10.59 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $10.80 $12.57 80 2020 Series II Shares 10.00 10.80 0 2019 - ----------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $10.89 $15.09 0 2020 10.00 10.89 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $10.71 $10.31 0 2020 10.00 10.71 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $10.69 $11.84 0 2020 10.00 10.69 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $10.43 $11.12 0 2020 10.00 10.43 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $10.56 $11.68 0 2020 10.00 10.56 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $10.68 $10.95 0 2020 10.00 10.68 0 2019 --------------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. --------------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $10.08 $10.74 91 2020 10.00 10.08 0 2019 ---------------------------------------------------------------------------------------------------------------------------------

B-82

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $10.59 $12.33 0 2020 10.00 10.59 0 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $10.59 $10.63 0 2020 10.00 10.59 0 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $10.49 $12.32 0 2020 10.00 10.49 6,754 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $10.28 $14.35 0 2020 10.00 10.28 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $10.53 $13.52 510 2020 10.00 10.53 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $10.77 $11.40 0 2020 10.00 10.77 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust ----------------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $10.08 $10.00 98 2020 10.00 10.08 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $10.23 $10.50 0 2020 10.00 10.23 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $10.33 $12.91 76 2020 10.00 10.33 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund ----------------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $10.63 $12.63 0 2020 10.00 10.63 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $10.62 $13.45 0 2020 10.00 10.62 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $10.65 $13.81 0 2020 10.00 10.65 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $10.72 $11.11 629 2020 10.00 10.72 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $10.96 $11.48 0 2020 10.00 10.96 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $10.88 $17.80 282 2020 10.00 10.88 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $10.76 $15.03 0 2020 10.00 10.76 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $10.14 $10.77 453 2020 10.00 10.14 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $10.35 $11.87 0 2020 10.00 10.35 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $10.81 $11.36 0 2020 10.00 10.81 0 2019 -----------------------------------------------------------------------------------------------------------------------------

B-83

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $10.44 $11.35 0 2020 10.00 10.44 6,563 2019 ---------------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $10.30 $10.09 0 2020 10.00 10.30 12,630 2019 ---------------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $10.57 $ 9.77 0 2020 10.00 10.57 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $10.63 $10.94 0 2020 10.00 10.63 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.95 $ 9.70 6,149 2020 10.00 9.95 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $10.62 $11.78 0 2020 10.00 10.62 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $10.80 $14.61 0 2020 10.00 10.80 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $10.98 $12.58 0 2020 10.00 10.98 0 2019 ---------------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $10.62 $10.88 0 2020 10.00 10.62 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $10.61 $11.73 0 2020 10.00 10.61 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $10.46 $11.15 0 2020 10.00 10.46 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $10.51 $10.80 0 2020 10.00 10.51 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $10.95 $13.02 0 2020 Service Class Shares 10.00 10.95 0 2019 - ----------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $10.20 $10.71 0 2020 10.00 10.20 0 2019 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $10.24 $10.54 93 2020 10.00 10.24 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $10.16 $11.60 253 2020 10.00 10.16 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $10.01 $10.03 484 2020 10.00 10.01 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $10.10 $10.67 365 2020 10.00 10.10 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Rydex Variable Trust ---------------------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $11.02 $15.54 0 2020 10.00 11.02 0 2019 ----------------------------------------------------------------------------------------------------------------------------

B-84

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $10.09 $10.51 0 2020 10.00 10.09 0 2019 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $11.06 $14.38 0 2020 10.00 11.06 0 2019 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $10.24 $ 9.44 105 2020 10.00 10.24 0 2019 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $10.80 $12.39 0 2020 10.00 10.80 0 2019 -------------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $10.61 $11.83 0 2020 10.00 10.61 0 2019 -------------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $10.24 $10.58 64,586 2020 10.00 10.24 18,255 2019 -------------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $10.78 $12.86 0 2020 10.00 10.78 0 2019 -------------------------------------------------------------------------------------------------------------- The Prudential Series Fund -------------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $10.69 $13.56 0 2020 10.00 10.69 0 2019 -------------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $10.71 $16.21 0 2020 10.00 10.71 0 2019 -------------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 9.72 $10.57 96 2020 10.00 9.72 0 2019 -------------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $10.43 $14.53 0 2020 10.00 10.43 0 2019 --------------------------------------------------------------------------------------------------------------

B-85 Lifetime Income Plus 2007 (for Single Annuitant contracts) Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $13.81 $14.76 43,945 2020 11.95 13.81 65,686 2019 13.06 11.95 77,274 2018 11.55 13.06 90,452 2017 11.30 11.55 118,489 2016 11.41 11.30 117,405 2015 10.89 11.41 138,314 2014 9.58 10.89 157,697 2013 8.64 9.58 181,673 2012 9.11 8.64 209,185 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $17.48 $23.78 0 2020 13.77 17.48 0 2019 15.65 13.77 0 2018 11.74 15.65 0 2017 12.11 11.74 0 2016 12.06 12.11 0 2015 11.76 12.06 0 2014 9.79 11.76 0 2013 8.84 9.79 0 2012 11.80 8.84 0 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $21.59 $21.64 0 2020 17.86 21.59 0 2019 19.40 17.86 0 2018 16.72 19.40 0 2017 15.39 16.72 0 2016 15.52 15.39 0 2015 14.52 15.52 0 2014 11.03 14.52 0 2013 9.62 11.03 0 2012 9.27 9.62 0 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $ 8.80 $ 8.79 44,267 2020 7.70 8.80 78,252 2019 10.22 7.70 106,298 2018 8.36 10.22 105,328 2017 8.61 8.36 322,523 2016 8.60 8.61 254,342 2015 9.40 8.60 231,405 2014 7.83 9.40 187,950 2013 7.01 7.83 390,656 2012 8.90 7.01 347,384 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $29.46 $38.94 0 2020 22.42 29.46 0 2019 22.41 22.42 0 2018 17.40 22.41 0 2017 17.38 17.40 0 2016 16.03 17.38 0 2015 14.40 16.03 0 2014 10.75 14.40 0 2013 9.42 10.75 0 2012 10.00 9.42 0 2011 ----------------------------------------------------------------------------------------------------------

B-86

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $26.90 $40.42 9,663 2020 20.22 26.90 0 2019 20.91 20.22 0 2018 15.98 20.91 0 2017 15.38 15.98 0 2016 15.97 15.38 0 2015 16.68 15.97 63,657 2014 11.73 16.68 0 2013 10.46 11.73 0 2012 10.26 10.46 0 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $22.10 $29.45 0 2020 16.63 22.10 0 2019 18.09 16.63 0 2018 14.62 18.09 0 2017 15.32 14.62 0 2016 15.17 15.32 0 2015 13.47 15.17 0 2014 10.64 13.47 0 2013 9.56 10.64 0 2012 9.91 9.56 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $11.40 $12.78 49,162 2020 9.94 11.40 62,910 2019 10.76 9.94 54,994 2018 10.10 10.76 65,189 2017 9.84 10.10 71,580 2016 10.00 9.84 83,906 2015 9.47 10.00 99,672 2014 8.58 9.47 120,093 2013 7.83 8.58 137,939 2012 7.97 7.83 153,386 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $22.06 $30.26 0 2020 Series II Shares 16.23 22.06 0 2019 17.71 16.23 0 2018 14.10 17.71 0 2017 14.12 14.10 0 2016 13.58 14.12 0 2015 13.15 13.58 0 2014 9.92 13.15 0 2013 8.73 9.92 0 2012 8.85 8.73 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $21.44 $26.70 73,072 2020 16.68 21.44 21,235 2019 19.69 16.68 32,732 2018 14.77 19.69 72,186 2017 15.12 14.77 77,673 2016 14.92 15.12 115,371 2015 14.95 14.92 133,294 2014 12.03 14.95 117,619 2013 10.17 12.03 149,770 2012 11.37 10.17 180,071 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-87

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $22.77 $25.32 0 2020 17.68 22.77 130,347 2019 19.67 17.68 198,946 2018 17.24 19.67 179,552 2017 15.84 17.24 222,582 2016 15.71 15.84 164,891 2015 14.55 15.71 191,556 2014 11.32 14.55 241,298 2013 9.92 11.32 317,252 2012 10.18 9.92 743,537 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $23.42 $27.41 14,179 2020 Series II Shares 18.99 23.42 19,530 2019 21.70 18.99 28,342 2018 19.48 21.70 48,860 2017 16.93 19.48 59,287 2016 18.43 16.93 102,508 2015 16.88 18.43 110,358 2014 12.27 16.88 208,469 2013 10.66 12.27 295,982 2012 11.17 10.66 344,590 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $22.16 $30.86 0 2020 16.57 22.16 0 2019 17.58 16.57 0 2018 14.12 17.58 0 2017 14.11 14.12 0 2016 13.74 14.11 0 2015 12.96 13.74 0 2014 9.45 12.96 0 2013 10.00 9.45 0 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $20.30 $19.64 0 2020 16.61 20.30 68 2019 19.39 16.61 69 2018 16.86 19.39 69 2017 14.73 16.86 135,961 2016 16.06 14.73 220 2015 15.05 16.06 210 2014 11.35 15.05 221 2013 9.76 11.35 259 2012 10.19 9.76 279 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $18.69 $20.81 0 2020 14.81 18.69 158,887 2019 16.72 14.81 237,276 2018 15.11 16.72 212,699 2017 14.01 15.11 227,784 2016 15.20 14.01 0 2015 14.37 15.20 0 2014 11.37 14.37 0 2013 10.21 11.37 0 2012 10.44 10.21 0 2011 --------------------------------------------------------------------------------------------------------------------------

B-88

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $15.95 $17.11 48,369 2020 13.59 15.95 74,074 2019 15.40 13.59 94,289 2018 14.21 15.40 113,924 2017 12.65 14.21 111,602 2016 13.28 12.65 123,976 2015 12.49 13.28 125,725 2014 10.22 12.49 153,242 2013 9.30 10.22 141,063 2012 9.63 9.30 146,926 2011 ----------------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $17.06 $18.98 0 2020 13.61 17.06 53,628 2019 16.41 13.61 80,927 2018 13.67 16.41 87,227 2017 14.07 13.67 56,832 2016 14.78 14.07 154,758 2015 15.10 14.78 101,976 2014 13.00 15.10 116,795 2013 11.54 13.00 138,894 2012 12.68 11.54 106,278 2011 ----------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $13.97 $14.39 0 2020 10.98 13.97 0 2019 13.92 10.98 0 2018 12.14 13.92 0 2017 10.53 12.14 0 2016 12.05 10.53 0 2015 11.58 12.05 0 2014 8.88 11.58 0 2013 7.72 8.88 0 2012 8.17 7.72 0 2011 ----------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. ----------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $11.76 $12.61 30,524 2020 11.05 11.76 95,910 2019 11.62 11.05 125,047 2018 11.46 11.62 122,415 2017 11.23 11.46 134,969 2016 11.77 11.23 38,806 2015 11.65 11.77 212,840 2014 13.02 11.65 244,276 2013 12.40 13.02 265,101 2012 11.34 12.40 245,475 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $21.86 $25.59 0 2020 17.38 21.86 0 2019 19.04 17.38 0 2018 17.10 19.04 0 2017 14.17 17.10 0 2016 15.54 14.17 0 2015 15.12 15.54 0 2014 10.88 15.12 0 2013 9.82 10.88 0 2012 10.31 9.82 0 2011 -----------------------------------------------------------------------------------------------------------------------------

B-89

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------------ BlackRock Basic Value V.I. Fund -- Class III Shares $19.90 $20.07 0 2020 16.47 19.90 34,525 2019 18.33 16.47 49,285 2018 17.35 18.33 58,032 2017 15.07 17.35 109,689 2016 16.42 15.07 0 2015 15.31 16.42 0 2014 11.37 15.31 0 2013 10.22 11.37 0 2012 10.75 10.22 0 2011 ------------------------------------------------------------------------------------------------------------------------ BlackRock Global Allocation V.I. Fund -- Class III Shares $17.28 $20.40 415,566 2020 15.00 17.28 587,143 2019 16.60 15.00 786,971 2018 14.93 16.60 881,451 2017 14.70 14.93 1,009,148 2016 15.18 14.70 1,103,269 2015 15.23 15.18 1,286,002 2014 13.61 15.23 1,544,739 2013 12.66 13.61 1,754,496 2012 13.43 12.66 1,956,672 2011 ------------------------------------------------------------------------------------------------------------------------ BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $27.42 $38.47 0 2020 21.19 27.42 0 2019 21.08 21.19 0 2018 16.68 21.08 0 2017 15.86 16.68 0 2016 15.82 15.86 0 2015 14.19 15.82 0 2014 10.86 14.19 0 2013 9.67 10.86 0 2012 9.67 9.67 0 2011 ------------------------------------------------------------------------------------------------------------------------ Columbia Funds Variable Series Trust II ------------------------------------------------------------------------------------------------------------------------ CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.64 $21.47 126,037 2020 12.91 16.64 41,161 2019 13.53 12.91 63,133 2018 10.40 13.53 130,582 2017 10.00 10.40 0 2016 ------------------------------------------------------------------------------------------------------------------------ Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $11.97 $12.73 0 2020 9.78 11.97 137 2019 12.02 9.78 145 2018 9.66 12.02 134 2017 10.00 9.66 149 2016 ------------------------------------------------------------------------------------------------------------------------ Eaton Vance Variable Trust ------------------------------------------------------------------------------------------------------------------------ VT Floating -- Rate Income Fund $12.41 $12.38 30,998 2020 11.85 12.41 73,121 2019 12.12 11.85 115,454 2018 11.98 12.12 58,439 2017 11.25 11.98 64,434 2016 11.62 11.25 77,710 2015 11.81 11.62 173,141 2014 11.63 11.81 194,060 2013 11.08 11.63 154,057 2012 11.05 11.08 190 2011 ------------------------------------------------------------------------------------------------------------------------

B-90

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series ----------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $18.67 $19.26 0 2020 16.73 18.67 0 2019 17.71 16.73 0 2018 17.00 17.71 0 2017 15.17 17.00 0 2016 15.95 15.17 0 2015 15.92 15.95 0 2014 15.25 15.92 0 2013 13.65 15.25 0 2012 13.30 13.65 0 2011 ----------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $28.51 $35.83 10,618 2020 21.84 28.51 0 2019 21.56 21.84 0 2018 17.22 21.56 0 2017 17.03 17.22 0 2016 16.40 17.03 0 2015 15.33 16.40 0 2014 11.22 15.33 0 2013 9.80 11.22 0 2012 11.59 9.80 186,881 2011 ----------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund ----------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $19.42 $23.19 139,727 2020 16.00 19.42 180,490 2019 17.12 16.00 230,448 2018 15.07 17.12 270,083 2017 14.40 15.07 303,657 2016 14.68 14.40 345,222 2015 13.64 14.68 383,465 2014 11.69 13.64 456,692 2013 10.41 11.69 489,441 2012 11.07 10.41 539,352 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $24.70 $31.46 0 2020 19.24 24.70 28,448 2019 21.07 19.24 43,273 2018 17.72 21.07 84,843 2017 16.82 17.72 65,514 2016 17.12 16.82 311,348 2015 15.68 17.12 353,725 2014 12.24 15.68 485,375 2013 10.78 12.24 634,581 2012 11.34 10.78 251 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $26.00 $33.91 0 2020 20.48 26.00 0 2019 22.08 20.48 0 2018 18.28 22.08 0 2017 18.21 18.28 0 2016 18.43 18.21 0 2015 17.03 18.43 0 2014 12.59 17.03 0 2013 10.53 12.59 0 2012 11.08 10.53 0 2011 -----------------------------------------------------------------------------------------------------------------------

B-91

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $19.25 $20.04 136,052 2020 15.49 19.25 36,339 2019 17.31 15.49 53,439 2018 15.71 17.31 62,326 2017 13.65 15.71 824 2016 14.57 13.65 161,154 2015 13.74 14.57 173,675 2014 10.99 13.74 255,718 2013 9.60 10.99 325,935 2012 9.75 9.60 227 2011 ---------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $22.50 $23.68 0 2020 17.74 22.50 0 2019 19.98 17.74 0 2018 17.52 19.98 0 2017 15.46 17.52 0 2016 16.22 15.46 0 2015 15.05 16.22 0 2014 11.55 15.05 0 2013 9.99 11.55 0 2012 10.07 9.99 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $31.31 $51.51 37,910 2020 22.78 31.31 5,583 2019 20.76 22.78 1,431 2018 15.82 20.76 1,561 2017 16.17 15.82 1,564 2016 15.69 16.17 136,481 2015 14.33 15.69 65,269 2014 10.65 14.33 82,621 2013 10.00 10.65 112,199 2012 ---------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $28.99 $40.71 0 2020 22.13 28.99 0 2019 22.73 22.13 0 2018 17.24 22.73 0 2017 17.53 17.24 0 2016 16.76 17.53 0 2015 15.44 16.76 0 2014 11.61 15.44 0 2013 10.37 11.61 0 2012 10.61 10.37 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $12.63 $13.48 142,463 2020 11.80 12.63 178,694 2019 12.16 11.80 235,321 2018 11.96 12.16 407,708 2017 11.70 11.96 452,664 2016 12.07 11.70 446,706 2015 11.68 12.07 291,949 2014 12.20 11.68 390,493 2013 11.81 12.20 439,214 2012 11.28 11.81 178 2011 ----------------------------------------------------------------------------------------------------------------

B-92

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $22.51 $25.95 0 2020 18.69 22.51 51,344 2019 22.42 18.69 72,644 2018 19.02 22.42 80,084 2017 17.37 19.02 100,927 2016 18.06 17.37 100,355 2015 17.41 18.06 196,718 2014 13.11 17.41 202,928 2013 11.70 13.11 275,299 2012 13.42 11.70 92 2011 ----------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $20.81 $21.99 0 2020 15.87 20.81 0 2019 19.67 15.87 0 2018 16.89 19.67 0 2017 15.80 16.89 0 2016 16.69 15.80 0 2015 16.02 16.69 0 2014 12.58 16.02 0 2013 10.13 12.58 0 2012 11.38 10.13 0 2011 ----------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ----------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $12.98 $14.18 319,354 2020 11.07 12.98 434,911 2019 12.53 11.07 618,331 2018 11.44 12.53 701,685 2017 10.34 11.44 803,856 2016 11.27 10.34 1,025,408 2015 11.20 11.27 1,207,896 2014 9.26 11.20 1,396,045 2013 8.21 9.26 1,633,981 2012 8.52 8.21 1,840,498 2011 ----------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $16.99 $16.74 825,639 2020 14.97 16.99 978,926 2019 16.00 14.97 1,291,526 2018 14.92 16.00 1,521,825 2017 13.37 14.92 1,851,466 2016 14.71 13.37 2,178,749 2015 14.38 14.71 2,505,500 2014 12.91 14.38 2,974,462 2013 11.71 12.91 3,619,698 2012 11.70 11.71 4,081,261 2011 ----------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $15.36 $14.26 0 2020 12.81 15.36 0 2019 14.41 12.81 0 2018 13.59 14.41 0 2017 11.98 13.59 0 2016 12.88 11.98 0 2015 12.30 12.88 0 2014 9.80 12.30 0 2013 8.77 9.80 0 2012 9.06 8.77 210,972 2011 -----------------------------------------------------------------------------------------------------------

B-93

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $11.67 $12.08 0 2020 10.37 11.67 0 2019 12.45 10.37 0 2018 10.74 12.45 0 2017 10.02 10.74 0 2016 10.95 10.02 0 2015 11.52 10.95 0 2014 9.01 11.52 0 2013 7.61 9.01 0 2012 8.36 7.61 0 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 8.82 $ 8.65 105,488 2020 8.85 8.82 112,646 2019 8.92 8.85 70,332 2018 9.07 8.92 150,687 2017 9.27 9.07 69,458 2016 9.48 9.27 164,692 2015 9.69 9.48 130,656 2014 9.91 9.69 84,219 2013 10.00 9.91 154,641 2012 ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $23.99 $26.76 62,647 2020 20.06 23.99 83,987 2019 20.43 20.06 109,460 2018 17.68 20.43 132,931 2017 17.33 17.68 149,290 2016 17.65 17.33 167,170 2015 16.67 17.65 187,698 2014 14.23 16.67 207,370 2013 12.83 14.23 278,239 2012 12.94 12.83 396,785 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $33.59 $45.68 0 2020 25.10 33.59 41 2019 25.23 25.10 47 2018 19.85 25.23 52 2017 19.90 19.85 57,778 2016 18.18 19.90 65,790 2015 17.14 18.18 83,393 2014 13.39 17.14 102,654 2013 11.05 13.39 134,509 2012 12.15 11.05 110,666 2011 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $23.64 $27.22 0 2020 19.37 23.64 0 2019 21.67 19.37 0 2018 19.10 21.67 0 2017 19.35 19.10 0 2016 20.18 19.35 0 2015 17.18 20.18 0 2014 11.92 17.18 0 2013 10.29 11.92 0 2012 10.30 10.29 0 2011 ----------------------------------------------------------------------------------------------------------------------

B-94

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.13 $13.52 0 2020 10.42 13.13 0 2019 11.69 10.42 0 2018 10.41 11.69 0 2017 9.42 10.41 0 2016 9.92 9.42 0 2015 10.00 9.92 0 2014 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $24.89 $27.65 0 2020 19.39 24.89 0 2019 21.03 19.39 0 2018 17.48 21.03 0 2017 16.50 17.48 0 2016 16.87 16.50 0 2015 15.58 16.87 0 2014 12.10 15.58 0 2013 10.41 12.10 0 2012 10.91 10.41 0 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $17.20 $18.43 143,550 2020 14.65 17.20 151,465 2019 15.91 14.65 176,371 2018 14.52 15.91 199,385 2017 13.64 14.52 226,005 2016 14.03 13.64 244,573 2015 13.26 14.03 280,575 2014 11.42 13.26 319,887 2013 10.52 11.42 389,188 2012 10.59 10.52 413,964 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $25.59 $26.44 0 2020 20.97 25.59 0 2019 21.27 20.97 0 2018 19.00 21.27 0 2017 17.46 19.00 0 2016 20.94 17.46 0 2015 19.04 20.94 0 2014 16.20 19.04 0 2013 14.63 16.20 0 2012 14.04 14.63 0 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $16.84 $20.13 0 2020 Service Class Shares 12.34 16.84 0 2019 12.54 12.34 0 2018 10.01 12.54 0 2017 9.67 10.01 0 2016 10.00 9.67 0 2015 -------------------------------------------------------------------------------------------------------------------

B-95

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $13.97 $14.75 0 2020 12.79 13.97 0 2019 13.83 12.79 0 2018 12.47 13.83 0 2017 11.29 12.47 0 2016 12.72 11.29 0 2015 12.94 12.72 0 2014 13.22 12.94 0 2013 11.77 13.22 2,757 2012 11.81 11.77 0 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $17.43 $18.03 21,346 2020 15.54 17.43 52,016 2019 16.32 15.54 52,870 2018 15.65 16.32 43,340 2017 14.23 15.65 49,454 2016 14.80 14.23 153,685 2015 14.64 14.80 102,392 2014 14.16 14.64 78,301 2013 12.67 14.16 84,325 2012 12.53 12.67 145,431 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $17.61 $20.22 56,917 2020 15.89 17.61 50,541 2019 16.65 15.89 52,983 2018 15.62 16.65 42,788 2017 15.86 15.62 49,805 2016 16.45 15.86 160 2015 13.56 16.45 158 2014 15.93 13.56 187 2013 15.60 15.93 144 2012 12.48 15.60 135 2011 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.25 $11.33 168,791 2020 11.06 11.25 60,756 2019 11.27 11.06 75,559 2018 11.37 11.27 63,301 2017 11.47 11.37 68,363 2016 11.69 11.47 195,323 2015 11.85 11.69 562,783 2014 12.13 11.85 579,385 2013 11.72 12.13 613,396 2012 11.85 11.72 625,499 2011 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $14.44 $15.34 99,993 2020 13.63 14.44 156,130 2019 14.01 13.63 224,247 2018 13.65 14.01 354,347 2017 13.59 13.65 396,952 2016 13.84 13.59 480,502 2015 13.57 13.84 290,704 2014 14.15 13.57 378,266 2013 13.20 14.15 396,486 2012 13.03 13.20 464,146 2011 ----------------------------------------------------------------------------------------------------------------------------

B-96

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Rydex Variable Trust -------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $38.27 $54.26 0 2020 28.59 38.27 0 2019 29.78 28.59 0 2018 23.22 29.78 0 2017 22.40 23.22 0 2016 21.16 22.40 0 2015 18.42 21.16 0 2014 13.99 18.42 0 2013 12.25 13.99 0 2012 12.26 12.25 0 2011 -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $11.77 $12.32 0 2020 11.08 11.77 0 2019 11.49 11.08 0 2018 11.38 11.49 0 2017 11.30 11.38 0 2016 11.60 11.30 0 2015 11.29 11.60 0 2014 11.70 11.29 0 2013 11.32 11.70 0 2012 10.79 11.32 0 2011 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $29.09 $38.01 0 2020 21.66 29.09 0 2019 22.75 21.66 0 2018 18.13 22.75 0 2017 18.09 18.13 0 2016 17.90 18.09 0 2015 16.05 17.90 0 2014 12.17 16.05 0 2013 10.29 12.17 0 2012 10.47 10.29 0 2011 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $24.57 $22.77 17,064 2020 19.91 24.57 18,616 2019 21.60 19.91 26,874 2018 20.86 21.60 32,870 2017 19.75 20.86 37,557 2016 19.31 19.75 44,971 2015 14.97 19.31 52,180 2014 14.92 14.97 114,799 2013 13.06 14.92 40,531 2012 12.16 13.06 47,900 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $25.30 $29.18 0 2020 19.74 25.30 32 2019 21.19 19.74 35 2018 17.83 21.19 37 2017 16.34 17.83 40 2016 16.53 16.34 119 2015 14.92 16.53 121 2014 11.56 14.92 133 2013 10.21 11.56 152 2012 10.27 10.21 159 2011 --------------------------------------------------------------------------------------------------------------

B-97

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $23.43 $26.25 0 2020 19.00 23.43 0 2019 21.51 19.00 0 2018 19.51 21.51 0 2017 16.12 19.51 0 2016 17.19 16.12 0 2015 16.94 17.19 0 2014 12.65 16.94 0 2013 11.29 12.65 0 2012 11.20 11.29 0 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $14.02 $14.56 1,449,123 2020 12.41 14.02 1,866,726 2019 13.59 12.41 2,480,503 2018 12.05 13.59 2,891,104 2017 11.62 12.05 3,589,262 2016 12.04 11.62 4,032,740 2015 11.72 12.04 4,733,191 2014 10.45 11.72 5,644,023 2013 9.52 10.45 6,617,929 2012 10.04 9.52 7,334,701 2011 ----------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $24.42 $29.29 0 2020 18.95 24.42 0 2019 20.06 18.95 0 2018 17.10 20.06 0 2017 16.00 17.10 0 2016 16.74 16.00 0 2015 15.18 16.74 0 2014 11.59 15.18 0 2013 10.23 11.59 0 2012 10.78 10.23 0 2011 ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $24.56 $31.33 0 2020 19.56 24.56 45 2019 21.22 19.56 47 2018 16.72 21.22 50 2017 16.89 16.72 57 2016 16.31 16.89 153 2015 15.63 16.31 163 2014 12.35 15.63 168 2013 11.42 12.35 190 2012 12.23 11.42 187 2011 ----------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $30.09 $45.79 0 2020 23.17 30.09 0 2019 23.97 23.17 0 2018 18.00 23.97 0 2017 18.65 18.00 0 2016 17.17 18.65 0 2015 16.02 17.17 0 2014 11.95 16.02 0 2013 10.56 11.95 0 2012 10.81 10.56 0 2011 -----------------------------------------------------------------------------------------------------------

B-98

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 8.32 $ 9.10 42,909 2020 7.72 8.32 110,766 2019 9.68 7.72 140,951 2018 9.95 9.68 113,348 2017 8.15 9.95 75,922 2016 11.71 8.15 52,487 2015 14.93 11.71 43,541 2014 13.90 14.93 39,013 2013 14.65 13.90 43,376 2012 18.57 14.65 37 2011 -------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $32.01 $44.83 0 2020 23.89 32.01 0 2019 24.36 23.89 0 2018 18.50 24.36 0 2017 18.82 18.50 0 2016 18.99 18.82 0 2015 18.69 18.99 0 2014 13.66 18.69 0 2013 11.61 13.66 0 2012 12.56 11.61 0 2011 --------------------------------------------------------------------------------------------------------

B-99 Lifetime Income Plus 2007 (for Single Annuitant contracts) Elected -- reset on or after 07/15/19

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. --------------------------------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $10.38 $11.03 5,719 2020 10.00 10.38 4,949 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $10.56 $14.29 0 2020 10.00 10.56 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $10.62 $10.59 0 2020 10.00 10.62 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $10.60 $10.54 12,999 2020 10.00 10.60 11,887 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $10.83 $14.25 0 2020 10.00 10.83 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $10.27 $15.35 8,626 2020 10.00 10.27 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $10.88 $14.42 0 2020 10.00 10.88 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $10.31 $11.50 6,489 2020 10.00 10.31 2,554 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $10.39 $14.17 0 2020 Series II Shares 10.00 10.39 0 2019 - ----------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $10.63 $13.17 50,682 2020 10.00 10.63 7,889 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $10.59 $11.72 0 2020 10.00 10.59 51,564 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $10.80 $12.57 10,609 2020 Series II Shares 10.00 10.80 7,775 2019 - ----------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $10.89 $15.09 0 2020 10.00 10.89 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $10.71 $10.31 143 2020 10.00 10.71 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $10.69 $11.84 0 2020 10.00 10.69 51,108 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $10.43 $11.12 4,065 2020 10.00 10.43 170 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $10.56 $11.68 154 2020 10.00 10.56 15,920 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $10.68 $10.95 0 2020 10.00 10.68 0 2019 --------------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. --------------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $10.08 $10.74 12,278 2020 10.00 10.08 20,681 2019 ---------------------------------------------------------------------------------------------------------------------------------

B-100

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $10.59 $12.33 0 2020 10.00 10.59 0 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $10.59 $10.63 0 2020 10.00 10.59 11,931 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $10.49 $12.32 188,311 2020 10.00 10.49 114,700 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $10.28 $14.35 0 2020 10.00 10.28 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $10.53 $13.52 68,601 2020 10.00 10.53 11,961 2019 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $10.77 $11.40 156 2020 10.00 10.77 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust ----------------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $10.08 $10.00 13,268 2020 10.00 10.08 16,580 2019 ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $10.23 $10.50 0 2020 10.00 10.23 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $10.33 $12.91 10,068 2020 10.00 10.33 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund ----------------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $10.63 $12.63 31,723 2020 10.00 10.63 32,093 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $10.62 $13.45 111 2020 10.00 10.62 11,881 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $10.65 $13.81 0 2020 10.00 10.65 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $10.72 $11.11 84,122 2020 10.00 10.72 11,755 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $10.96 $11.48 0 2020 10.00 10.96 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $10.88 $17.80 37,394 2020 10.00 10.88 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $10.76 $15.03 0 2020 10.00 10.76 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $10.14 $10.77 61,282 2020 10.00 10.14 41,098 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $10.35 $11.87 51 2020 10.00 10.35 20,302 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $10.81 $11.36 0 2020 10.00 10.81 0 2019 -----------------------------------------------------------------------------------------------------------------------------

B-101

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $10.44 $11.35 93,792 2020 10.00 10.44 68,554 2019 ---------------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $10.30 $10.09 229,770 2020 10.00 10.30 192,753 2019 ---------------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $10.57 $ 9.77 0 2020 10.00 10.57 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $10.63 $10.94 0 2020 10.00 10.63 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.95 $ 9.70 80,420 2020 10.00 9.95 3,750 2019 ---------------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $10.62 $11.78 31,315 2020 10.00 10.62 9,210 2019 ---------------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $10.80 $14.61 102 2020 10.00 10.80 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $10.98 $12.58 0 2020 10.00 10.98 0 2019 ---------------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $10.62 $10.88 0 2020 10.00 10.62 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $10.61 $11.73 0 2020 10.00 10.61 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $10.46 $11.15 20,938 2020 10.00 10.46 19,777 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $10.51 $10.80 0 2020 10.00 10.51 0 2019 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $10.95 $13.02 0 2020 Service Class Shares 10.00 10.95 0 2019 - ----------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $10.20 $10.71 0 2020 10.00 10.20 0 2019 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $10.24 $10.54 12,525 2020 10.00 10.24 16,328 2019 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $10.16 $11.60 34,115 2020 10.00 10.16 16,208 2019 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $10.01 $10.03 66,192 2020 10.00 10.01 12,503 2019 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $10.10 $10.67 49,431 2020 10.00 10.10 41,255 2019 ---------------------------------------------------------------------------------------------------------------------------- Rydex Variable Trust ---------------------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $11.02 $15.54 0 2020 10.00 11.02 0 2019 ----------------------------------------------------------------------------------------------------------------------------

B-102

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $10.09 $10.51 0 2020 10.00 10.09 0 2019 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $11.06 $14.38 0 2020 10.00 11.06 0 2019 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $10.24 $ 9.44 14,116 2020 10.00 10.24 8,246 2019 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $10.80 $12.39 72 2020 10.00 10.80 0 2019 -------------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $10.61 $11.83 0 2020 10.00 10.61 0 2019 -------------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $10.24 $10.58 463,557 2020 10.00 10.24 362,498 2019 -------------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $10.78 $12.86 0 2020 10.00 10.78 0 2019 -------------------------------------------------------------------------------------------------------------- The Prudential Series Fund -------------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $10.69 $13.56 88 2020 10.00 10.69 0 2019 -------------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $10.71 $16.21 0 2020 10.00 10.71 0 2019 -------------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 9.72 $10.57 12,612 2020 10.00 9.72 17,408 2019 -------------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $10.43 $14.53 0 2020 10.00 10.43 0 2019 --------------------------------------------------------------------------------------------------------------

B-103 Lifetime Income Plus 2008 Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $14.57 $15.68 128,309 2020 12.50 14.57 143,213 2019 13.56 12.50 177,984 2018 11.90 13.56 219,154 2017 11.56 11.90 247,918 2016 11.58 11.56 253,588 2015 10.97 11.58 348,071 2014 9.57 10.97 448,786 2013 8.57 9.57 510,439 2012 8.97 8.57 586,018 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $14.24 $19.51 5,970 2020 11.13 14.24 8,432 2019 12.55 11.13 10,162 2018 9.34 12.55 11,480 2017 9.56 9.34 15,242 2016 9.45 9.56 19,121 2015 9.15 9.45 24,174 2014 7.55 9.15 28,238 2013 6.77 7.55 31,053 2012 8.97 6.77 31,365 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $18.69 $18.87 30,232 2020 15.34 18.69 36,557 2019 16.54 15.34 42,812 2018 14.15 16.54 53,478 2017 12.92 14.15 55,428 2016 12.93 12.92 59,609 2015 12.00 12.93 68,161 2014 9.05 12.00 76,468 2013 7.83 9.05 86,020 2012 7.49 7.83 93,626 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $ 6.31 $ 6.36 765,393 2020 5.48 6.31 1,091,037 2019 7.23 5.48 1,239,059 2018 5.86 7.23 1,190,175 2017 6.00 5.86 3,351,648 2016 5.94 6.00 2,527,572 2015 6.44 5.94 2,368,374 2014 5.33 6.44 1,924,441 2013 4.73 5.33 3,584,133 2012 5.96 4.73 2,753,601 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $26.78 $35.67 0 2020 20.22 26.78 0 2019 20.06 20.22 0 2018 15.46 20.06 0 2017 15.32 15.46 0 2016 14.02 15.32 0 2015 12.50 14.02 0 2014 9.26 12.50 0 2013 8.05 9.26 0 2012 8.49 8.05 0 2011 ----------------------------------------------------------------------------------------------------------

B-104

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $27.49 $41.62 120,840 2020 20.51 27.49 10,454 2019 21.04 20.51 12,771 2018 15.96 21.04 13,770 2017 15.25 15.96 19,914 2016 15.71 15.25 22,214 2015 16.28 15.71 527,864 2014 11.37 16.28 35,312 2013 10.05 11.37 38,383 2012 9.79 10.05 46,788 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $18.96 $25.46 12,428 2020 14.17 18.96 18,314 2019 15.29 14.17 21,368 2018 12.26 15.29 21,795 2017 12.75 12.26 27,225 2016 12.53 12.75 28,692 2015 11.04 12.53 34,225 2014 8.66 11.04 45,930 2013 7.72 8.66 42,831 2012 7.94 7.72 58,765 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $11.14 $12.58 149,636 2020 9.64 11.14 156,628 2019 10.36 9.64 183,582 2018 9.65 10.36 170,847 2017 9.32 9.65 163,019 2016 9.41 9.32 153,639 2015 8.84 9.41 197,825 2014 7.95 8.84 246,138 2013 7.19 7.95 261,630 2012 7.27 7.19 251,774 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $21.01 $29.04 0 2020 Series II Shares 15.34 21.01 0 2019 16.61 15.34 0 2018 13.12 16.61 0 2017 13.04 13.12 0 2016 12.45 13.04 0 2015 11.97 12.45 0 2014 8.95 11.97 0 2013 7.82 8.95 0 2012 7.87 7.82 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $18.03 $22.62 1,106,394 2020 13.91 18.03 391,137 2019 16.30 13.91 496,798 2018 12.14 16.30 821,948 2017 12.33 12.14 950,739 2016 12.07 12.33 1,291,144 2015 12.00 12.07 1,527,889 2014 9.59 12.00 1,358,148 2013 8.05 9.59 1,514,616 2012 8.92 8.05 1,858,698 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-105

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $20.21 $22.64 45,917 2020 15.57 20.21 1,478,692 2019 17.19 15.57 1,874,338 2018 14.95 17.19 1,696,454 2017 13.63 14.95 1,938,801 2016 13.42 13.63 1,567,913 2015 12.33 13.42 1,886,772 2014 9.52 12.33 2,235,401 2013 8.28 9.52 2,583,027 2012 8.43 8.28 5,297,022 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $21.63 $25.50 218,459 2020 Series II Shares 17.40 21.63 257,419 2019 19.74 17.40 310,838 2018 17.58 19.74 470,645 2017 15.16 17.58 592,983 2016 16.38 15.16 882,144 2015 14.89 16.38 980,779 2014 10.74 14.89 1,701,342 2013 9.26 10.74 2,152,723 2012 9.63 9.26 2,439,451 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $23.68 $33.22 68 2020 17.57 23.68 1,182 2019 18.50 17.57 139 2018 14.74 18.50 166 2017 14.63 14.74 212 2016 14.13 14.63 233 2015 13.23 14.13 272 2014 9.58 13.23 313 2013 10.00 9.58 414 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $18.51 $18.05 75,192 2020 15.04 18.51 73,322 2019 17.41 15.04 80,753 2018 15.03 17.41 81,102 2017 13.03 15.03 1,212,485 2016 14.10 13.03 96,571 2015 13.11 14.10 112,714 2014 9.81 13.11 119,835 2013 8.37 9.81 139,679 2012 8.67 8.37 133,940 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $17.46 $19.59 7,531 2020 13.74 17.46 1,668,212 2019 15.38 13.74 2,077,204 2018 13.79 15.38 1,783,093 2017 12.69 13.79 1,861,559 2016 13.67 12.69 17,693 2015 12.82 13.67 23,182 2014 10.07 12.82 24,992 2013 8.97 10.07 28,520 2012 9.11 8.97 34,470 2011 --------------------------------------------------------------------------------------------------------------------------

B-106

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $17.52 $18.93 226,406 2020 14.82 17.52 255,168 2019 16.65 14.82 273,536 2018 15.25 16.65 298,967 2017 13.48 15.25 312,552 2016 14.04 13.48 327,419 2015 13.10 14.04 348,434 2014 10.64 13.10 329,945 2013 9.61 10.64 149,785 2012 9.88 9.61 154,621 2011 ----------------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $12.02 $13.48 76,874 2020 9.51 12.02 817,489 2019 11.39 9.51 1,017,215 2018 9.41 11.39 1,083,491 2017 9.62 9.41 881,142 2016 10.02 9.62 1,695,953 2015 10.16 10.02 1,183,808 2014 8.68 10.16 1,306,444 2013 7.65 8.68 1,424,455 2012 8.34 7.65 1,081,990 2011 ----------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $12.92 $13.41 0 2020 10.08 12.92 0 2019 12.68 10.08 0 2018 10.97 12.68 0 2017 9.44 10.97 0 2016 10.72 9.44 0 2015 10.23 10.72 0 2014 7.79 10.23 0 2013 6.72 7.79 0 2012 7.05 6.72 0 2011 ----------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. ----------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.32 $13.30 308,545 2020 11.48 12.32 794,856 2019 11.99 11.48 881,090 2018 11.73 11.99 854,934 2017 11.40 11.73 936,466 2016 11.86 11.40 354,058 2015 11.65 11.86 1,627,881 2014 12.92 11.65 1,836,265 2013 12.21 12.92 1,631,681 2012 11.09 12.21 1,567,648 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $20.68 $24.39 5,447 2020 16.31 20.68 6,672 2019 17.73 16.31 7,489 2018 15.81 17.73 9,022 2017 13.00 15.81 10,397 2016 14.15 13.00 12,288 2015 13.66 14.15 15,859 2014 9.76 13.66 25,775 2013 8.74 9.76 32,807 2012 9.11 8.74 37,146 2011 -----------------------------------------------------------------------------------------------------------------------------

B-107

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------------ BlackRock Basic Value V.I. Fund -- Class III Shares $16.99 $17.26 54,540 2020 13.95 16.99 449,085 2019 15.41 13.95 550,940 2018 14.48 15.41 630,700 2017 12.48 14.48 1,101,090 2016 13.49 12.48 132,112 2015 12.49 13.49 163,603 2014 9.21 12.49 199,357 2013 8.21 9.21 203,834 2012 8.57 8.21 223,073 2011 ------------------------------------------------------------------------------------------------------------------------ BlackRock Global Allocation V.I. Fund -- Class III Shares $13.92 $16.56 2,501,913 2020 12.00 13.92 3,053,412 2019 13.17 12.00 3,564,454 2018 11.75 13.17 4,132,178 2017 11.49 11.75 4,846,698 2016 11.78 11.49 5,492,302 2015 11.72 11.78 6,191,771 2014 10.40 11.72 6,958,912 2013 9.59 10.40 7,628,087 2012 10.10 9.59 8,012,631 2011 ------------------------------------------------------------------------------------------------------------------------ BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $24.41 $34.50 0 2020 18.72 24.41 0 2019 18.48 18.72 0 2018 14.51 18.48 0 2017 13.69 14.51 0 2016 13.55 13.69 0 2015 12.07 13.55 0 2014 9.17 12.07 0 2013 8.10 9.17 0 2012 8.03 8.10 0 2011 ------------------------------------------------------------------------------------------------------------------------ Columbia Funds Variable Series Trust II ------------------------------------------------------------------------------------------------------------------------ CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $17.11 $22.25 1,519,415 2020 13.18 17.11 555,927 2019 13.70 13.18 707,057 2018 10.45 13.70 1,212,449 2017 10.00 10.45 255,445 2016 ------------------------------------------------------------------------------------------------------------------------ Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.31 $13.20 13,501 2020 9.98 12.31 13,687 2019 12.17 9.98 15,487 2018 9.71 12.17 15,395 2017 10.00 9.71 21,363 2016 ------------------------------------------------------------------------------------------------------------------------ Eaton Vance Variable Trust ------------------------------------------------------------------------------------------------------------------------ VT Floating -- Rate Income Fund $13.24 $13.31 316,712 2020 12.54 13.24 620,098 2019 12.74 12.54 805,350 2018 12.50 12.74 520,397 2017 11.64 12.50 416,674 2016 11.93 11.64 588,493 2015 12.04 11.93 1,314,647 2014 11.76 12.04 1,427,660 2013 11.12 11.76 1,021,138 2012 11.00 11.12 59,812 2011 ------------------------------------------------------------------------------------------------------------------------

B-108

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series ----------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $18.54 $19.27 6,796 2020 16.48 18.54 7,002 2019 17.32 16.48 7,334 2018 16.49 17.32 8,088 2017 14.61 16.49 8,082 2016 15.24 14.61 11,676 2015 15.10 15.24 12,214 2014 14.36 15.10 12,412 2013 12.75 14.36 17,083 2012 12.33 12.75 17,272 2011 ----------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $21.94 $27.78 198,395 2020 16.68 21.94 30,351 2019 16.34 16.68 38,556 2018 12.95 16.34 45,740 2017 12.71 12.95 57,862 2016 12.15 12.71 61,104 2015 11.27 12.15 70,497 2014 8.18 11.27 76,600 2013 7.10 8.18 90,286 2012 8.32 7.10 1,609,568 2011 ----------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund ----------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $18.96 $22.81 457,393 2020 15.50 18.96 437,750 2019 16.46 15.50 453,416 2018 14.38 16.46 555,443 2017 13.64 14.38 608,490 2016 13.79 13.64 673,926 2015 12.72 13.79 749,488 2014 10.82 12.72 726,594 2013 9.56 10.82 743,072 2012 10.09 9.56 761,948 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $19.87 $25.50 202,004 2020 15.36 19.87 582,780 2019 16.69 15.36 732,039 2018 13.93 16.69 1,227,777 2017 13.12 13.93 1,040,957 2016 13.26 13.12 3,487,576 2015 12.05 13.26 4,100,634 2014 9.34 12.05 5,171,609 2013 8.16 9.34 6,005,454 2012 8.51 8.16 743,012 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $21.16 $27.81 336 2020 16.54 21.16 384 2019 17.70 16.54 406 2018 14.54 17.70 449 2017 14.37 14.54 479 2016 14.44 14.37 1,162 2015 13.24 14.44 2,028 2014 9.72 13.24 9,284 2013 8.07 9.72 4,863 2012 8.42 8.07 8,630 2011 -----------------------------------------------------------------------------------------------------------------------

B-109

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $16.66 $17.47 1,972,289 2020 13.30 16.66 605,492 2019 14.75 13.30 746,183 2018 13.29 14.75 828,728 2017 11.46 13.29 286,515 2016 12.14 11.46 1,792,336 2015 11.35 12.14 1,985,775 2014 9.01 11.35 2,645,154 2013 7.81 9.01 3,001,261 2012 7.88 7.81 95,531 2011 ---------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $18.83 $19.97 20,276 2020 14.73 18.83 20,174 2019 16.47 14.73 22,187 2018 14.33 16.47 25,205 2017 12.55 14.33 45,874 2016 13.07 12.55 45,514 2015 12.03 13.07 58,970 2014 9.16 12.03 88,117 2013 7.86 9.16 67,511 2012 7.87 7.86 67,357 2011 ---------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $33.26 $55.14 425,403 2020 24.02 33.26 28,426 2019 21.72 24.02 40,058 2018 16.43 21.72 48,898 2017 16.66 16.43 66,656 2016 16.05 16.66 963,275 2015 14.54 16.05 496,174 2014 10.73 14.54 586,520 2013 10.00 10.73 732,021 2012 ---------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $22.74 $32.17 2,559 2020 17.22 22.74 8,306 2019 17.55 17.22 9,466 2018 13.21 17.55 5,154 2017 13.33 13.21 6,317 2016 12.65 13.33 7,452 2015 11.57 12.65 10,446 2014 8.63 11.57 7,305 2013 7.65 8.63 10,299 2012 7.77 7.65 7,656 2011 ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $13.88 $14.93 1,454,086 2020 12.87 13.88 1,580,532 2019 13.16 12.87 1,758,961 2018 12.84 13.16 2,678,741 2017 12.47 12.84 3,106,556 2016 12.77 12.47 3,202,829 2015 12.26 12.77 2,223,463 2014 12.71 12.26 2,901,590 2013 12.21 12.71 3,127,332 2012 11.58 12.21 222,413 2011 ----------------------------------------------------------------------------------------------------------------

B-110

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $18.26 $21.21 55,624 2020 15.04 18.26 703,110 2019 17.91 15.04 829,306 2018 15.08 17.91 882,231 2017 13.67 15.08 1,060,867 2016 14.10 13.67 973,510 2015 13.49 14.10 1,959,775 2014 10.08 13.49 1,958,473 2013 8.92 10.08 2,361,066 2012 10.16 8.92 154,166 2011 ----------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $17.43 $18.56 251 2020 13.19 17.43 265 2019 16.22 13.19 325 2018 13.82 16.22 307 2017 12.84 13.82 735 2016 13.45 12.84 1,222 2015 12.82 13.45 1,211 2014 9.99 12.82 10,816 2013 7.98 9.99 10,740 2012 8.90 7.98 14,559 2011 ----------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ----------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.99 $15.41 661,938 2020 11.85 13.99 751,522 2019 13.31 11.85 928,352 2018 12.06 13.31 1,130,794 2017 10.81 12.06 1,267,140 2016 11.69 10.81 1,478,865 2015 11.54 11.69 1,643,995 2014 9.46 11.54 2,011,457 2013 8.32 9.46 2,232,350 2012 8.58 8.32 2,450,259 2011 ----------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $15.79 $15.67 1,398,616 2020 13.81 15.79 1,602,460 2019 14.64 13.81 1,822,785 2018 13.55 14.64 2,127,874 2017 12.06 13.55 2,333,592 2016 13.16 12.06 2,834,913 2015 12.77 13.16 3,189,948 2014 11.37 12.77 3,978,294 2013 10.24 11.37 4,409,060 2012 10.15 10.24 4,887,213 2011 ----------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $14.83 $13.87 166,116 2020 12.27 14.83 161,195 2019 13.70 12.27 183,964 2018 12.83 13.70 191,140 2017 11.22 12.83 204,379 2016 11.97 11.22 230,451 2015 11.34 11.97 249,811 2014 8.97 11.34 283,251 2013 7.97 8.97 321,796 2012 8.17 7.97 1,687,400 2011 -----------------------------------------------------------------------------------------------------------

B-111

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $11.21 $11.68 171,933 2020 9.88 11.21 171,982 2019 11.77 9.88 193,202 2018 10.08 11.77 168,717 2017 9.33 10.08 180,300 2016 10.12 9.33 216,646 2015 10.57 10.12 215,330 2014 8.20 10.57 215,560 2013 6.87 8.20 253,555 2012 7.49 6.87 274,275 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.33 $ 9.22 316,800 2020 9.29 9.33 276,362 2019 9.29 9.29 382,774 2018 9.38 9.29 225,991 2017 9.52 9.38 303,848 2016 9.66 9.52 496,004 2015 9.80 9.66 333,341 2014 9.94 9.80 401,719 2013 10.00 9.94 379,455 2012 ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $21.32 $23.96 376,672 2020 17.69 21.32 454,787 2019 17.88 17.69 511,727 2018 15.36 17.88 588,375 2017 14.94 15.36 701,183 2016 15.09 14.94 792,665 2015 14.15 15.09 968,408 2014 11.98 14.15 1,132,155 2013 10.73 11.98 1,212,076 2012 10.74 10.73 1,259,970 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $24.39 $33.42 14,190 2020 18.08 24.39 19,340 2019 18.04 18.08 21,621 2018 14.08 18.04 29,909 2017 14.02 14.08 573,428 2016 12.70 14.02 642,215 2015 11.89 12.70 842,877 2014 9.21 11.89 978,778 2013 7.55 9.21 1,154,045 2012 8.23 7.55 1,121,704 2011 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $22.72 $26.36 1,568 2020 18.48 22.72 2,352 2019 20.51 18.48 2,498 2018 17.94 20.51 2,667 2017 18.04 17.94 2,782 2016 18.67 18.04 2,260 2015 15.77 18.67 2,407 2014 10.86 15.77 1,921 2013 9.30 10.86 240 2012 9.24 9.30 3,177 2011 ----------------------------------------------------------------------------------------------------------------------

B-112

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.65 $14.16 0 2020 10.75 13.65 0 2019 11.97 10.75 0 2018 10.58 11.97 0 2017 9.50 10.58 0 2016 9.92 9.50 0 2015 10.00 9.92 0 2014 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $21.35 $23.90 0 2020 16.50 21.35 0 2019 17.76 16.50 0 2018 14.65 17.76 0 2017 13.72 14.65 0 2016 13.93 13.72 0 2015 12.77 13.93 0 2014 9.84 12.77 0 2013 8.40 9.84 0 2012 8.73 8.40 0 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $16.44 $17.74 255,790 2020 13.89 16.44 337,663 2019 14.97 13.89 385,034 2018 13.56 14.97 439,126 2017 12.64 13.56 477,037 2016 12.91 12.64 526,217 2015 12.10 12.91 587,785 2014 10.34 12.10 650,337 2013 9.46 10.34 718,834 2012 9.45 9.46 740,348 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $17.23 $17.94 11,684 2020 14.01 17.23 13,545 2019 14.11 14.01 18,336 2018 12.50 14.11 28,632 2017 11.40 12.50 42,302 2016 13.57 11.40 45,856 2015 12.25 13.57 55,954 2014 10.34 12.25 70,827 2013 9.27 10.34 77,759 2012 8.83 9.27 87,242 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $17.47 $21.03 0 2020 Service Class Shares 12.70 17.47 0 2019 12.81 12.70 0 2018 10.15 12.81 0 2017 9.73 10.15 0 2016 10.00 9.73 0 2015 -------------------------------------------------------------------------------------------------------------------

B-113

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $13.98 $14.87 5,926 2020 12.70 13.98 7,455 2019 13.63 12.70 13,265 2018 12.19 13.63 13,835 2017 10.96 12.19 15,620 2016 12.24 10.96 17,853 2015 12.37 12.24 19,400 2014 12.54 12.37 21,998 2013 11.08 12.54 26,342 2012 11.03 11.08 25,787 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $17.56 $18.30 242,444 2020 15.53 17.56 479,454 2019 16.19 15.53 439,618 2018 15.41 16.19 425,585 2017 13.91 15.41 420,570 2016 14.35 13.91 1,252,393 2015 14.09 14.35 888,976 2014 13.52 14.09 699,394 2013 12.00 13.52 708,761 2012 11.79 12.00 1,016,623 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $18.53 $21.44 566,660 2020 16.60 18.53 444,412 2019 17.25 16.60 429,093 2018 16.07 17.25 379,988 2017 16.19 16.07 381,808 2016 16.66 16.19 54,727 2015 13.63 16.66 64,790 2014 15.89 13.63 92,595 2013 15.44 15.89 130,632 2012 12.26 15.44 116,943 2011 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.65 $11.82 1,908,619 2020 11.36 11.65 801,548 2019 11.49 11.36 845,160 2018 11.50 11.49 842,753 2017 11.51 11.50 827,785 2016 11.64 11.51 1,543,083 2015 11.71 11.64 4,369,170 2014 11.90 11.71 4,493,594 2013 11.41 11.90 4,397,236 2012 11.45 11.41 4,956,266 2011 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $14.86 $15.91 1,502,167 2020 13.92 14.86 1,898,309 2019 14.20 13.92 2,189,201 2018 13.73 14.20 3,016,782 2017 13.57 13.73 3,507,124 2016 13.71 13.57 4,091,505 2015 13.34 13.71 3,176,863 2014 13.81 13.34 3,955,866 2013 12.79 13.81 3,755,633 2012 12.52 12.79 4,063,270 2011 ----------------------------------------------------------------------------------------------------------------------------

B-114

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Rydex Variable Trust -------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $32.62 $46.61 0 2020 24.19 32.62 0 2019 25.00 24.19 0 2018 19.34 25.00 0 2017 18.52 19.34 0 2016 17.36 18.52 0 2015 15.00 17.36 0 2014 11.31 15.00 0 2013 9.83 11.31 0 2012 9.76 9.83 0 2011 -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.45 $13.13 27,797 2020 11.63 12.45 30,717 2019 11.97 11.63 31,646 2018 11.77 11.97 37,559 2017 11.59 11.77 38,314 2016 11.81 11.59 39,626 2015 11.40 11.81 51,042 2014 11.73 11.40 71,565 2013 11.26 11.73 67,934 2012 10.66 11.26 75,769 2011 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $27.35 $36.02 0 2020 20.21 27.35 0 2019 21.07 20.21 0 2018 16.66 21.07 0 2017 16.50 16.66 0 2016 16.20 16.50 0 2015 14.42 16.20 0 2014 10.84 14.42 0 2013 9.10 10.84 0 2012 9.19 9.10 0 2011 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $20.90 $19.52 262,043 2020 16.81 20.90 246,665 2019 18.09 16.81 298,465 2018 17.35 18.09 302,310 2017 16.30 17.35 337,644 2016 15.82 16.30 423,881 2015 12.17 15.82 518,144 2014 12.03 12.17 1,052,688 2013 10.45 12.03 388,795 2012 9.66 10.45 393,466 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $22.22 $25.82 14,856 2020 17.20 22.22 18,046 2019 18.33 17.20 20,447 2018 15.30 18.33 23,603 2017 13.91 15.30 27,727 2016 13.97 13.91 30,318 2015 12.51 13.97 32,964 2014 9.62 12.51 45,186 2013 8.44 9.62 53,460 2012 8.42 8.44 61,070 2011 --------------------------------------------------------------------------------------------------------------

B-115

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $21.49 $24.26 16,539 2020 17.29 21.49 22,814 2019 19.43 17.29 25,352 2018 17.50 19.43 24,368 2017 14.34 17.50 25,464 2016 15.18 14.34 35,919 2015 14.84 15.18 38,057 2014 11.00 14.84 48,151 2013 9.75 11.00 46,281 2012 9.59 9.75 48,882 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $13.09 $13.69 5,330,851 2020 11.49 13.09 6,026,531 2019 12.49 11.49 6,954,632 2018 10.99 12.49 8,187,759 2017 10.51 10.99 9,302,989 2016 10.81 10.51 10,399,402 2015 10.44 10.81 12,026,281 2014 9.24 10.44 13,917,548 2013 8.36 9.24 15,111,020 2012 8.75 8.36 16,427,724 2011 ----------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $21.07 $25.46 22,517 2020 16.22 21.07 26,449 2019 17.04 16.22 33,069 2018 14.42 17.04 41,128 2017 13.39 14.42 44,341 2016 13.90 13.39 58,090 2015 12.51 13.90 67,083 2014 9.48 12.51 70,580 2013 8.31 9.48 82,012 2012 8.68 8.31 88,511 2011 ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $20.35 $26.15 7,393 2020 16.08 20.35 8,960 2019 17.31 16.08 10,761 2018 13.54 17.31 13,154 2017 13.57 13.54 16,700 2016 13.00 13.57 18,394 2015 12.37 13.00 21,669 2014 9.70 12.37 26,711 2013 8.90 9.70 31,670 2012 9.46 8.90 34,357 2011 ----------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $27.69 $42.45 96 2020 21.15 27.69 146 2019 21.72 21.15 180 2018 16.19 21.72 218 2017 16.64 16.19 392 2016 15.21 16.64 1,230 2015 14.08 15.21 2,690 2014 10.42 14.08 3,152 2013 9.14 10.42 1,517 2012 9.28 9.14 1,631 2011 -----------------------------------------------------------------------------------------------------------

B-116

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 4.90 $ 5.40 1,140,964 2020 4.51 4.90 2,047,764 2019 5.61 4.51 2,175,199 2018 5.72 5.61 1,822,865 2017 4.65 5.72 1,157,576 2016 6.64 4.65 1,032,067 2015 8.40 6.64 895,676 2014 7.76 8.40 782,862 2013 8.11 7.76 797,283 2012 10.21 8.11 438,690 2011 -------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $34.41 $48.56 549 2020 25.48 34.41 730 2019 25.79 25.48 3,606 2018 19.44 25.79 1,651 2017 19.62 19.44 3,184 2016 19.65 19.62 3,140 2015 19.19 19.65 3,258 2014 13.92 19.19 3,305 2013 11.74 13.92 1,910 2012 12.61 11.74 2,057 2011 --------------------------------------------------------------------------------------------------------

B-117 Lifetime Income Plus Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $14.08 $15.07 41,635 2020 12.16 14.08 46,824 2019 13.27 12.16 51,861 2018 11.71 13.27 56,432 2017 11.45 11.71 61,013 2016 11.54 11.45 63,277 2015 11.00 11.54 69,351 2014 9.66 11.00 72,709 2013 8.70 9.66 80,187 2012 9.16 8.70 87,630 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $17.87 $24.34 0 2020 14.05 17.87 0 2019 15.94 14.05 0 2018 11.94 15.94 0 2017 12.30 11.94 0 2016 12.23 12.30 0 2015 11.91 12.23 0 2014 9.90 11.91 0 2013 8.92 9.90 0 2012 11.89 8.92 0 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $22.07 $22.15 3,059 2020 18.22 22.07 3,256 2019 19.76 18.22 4,339 2018 17.01 19.76 6,155 2017 15.64 17.01 8,098 2016 15.74 15.64 10,742 2015 14.70 15.74 13,074 2014 11.15 14.70 18,963 2013 9.71 11.15 26,063 2012 9.35 9.71 35,155 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $ 8.99 $ 9.00 87,327 2020 7.86 8.99 142,891 2019 10.42 7.86 170,262 2018 8.50 10.42 173,953 2017 8.75 8.50 478,502 2016 8.72 8.75 411,329 2015 9.52 8.72 409,012 2014 7.92 9.52 354,715 2013 7.08 7.92 688,554 2012 8.97 7.08 671,847 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $30.11 $39.86 1,154 2020 22.88 30.11 2,220 2019 22.83 22.88 2,993 2018 17.70 22.83 5,052 2017 17.65 17.70 7,039 2016 16.26 17.65 8,306 2015 14.58 16.26 10,909 2014 10.87 14.58 17,301 2013 9.51 10.87 24,335 2012 10.08 9.51 34,789 2011 ----------------------------------------------------------------------------------------------------------

B-118

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $27.47 $41.33 14,753 2020 20.62 27.47 0 2019 21.29 20.62 0 2018 16.24 21.29 0 2017 15.61 16.24 0 2016 16.19 15.61 0 2015 16.88 16.19 91,352 2014 11.86 16.88 0 2013 10.55 11.86 0 2012 10.34 10.55 0 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $22.59 $30.14 0 2020 16.98 22.59 0 2019 18.43 16.98 0 2018 14.87 18.43 0 2017 15.56 14.87 0 2016 15.38 15.56 0 2015 13.64 15.38 0 2014 10.76 13.64 0 2013 9.65 10.76 0 2012 9.99 9.65 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $11.65 $13.08 104,876 2020 10.15 11.65 135,462 2019 10.97 10.15 196,631 2018 10.28 10.97 215,437 2017 10.00 10.28 265,395 2016 10.15 10.00 305,804 2015 9.59 10.15 378,650 2014 8.68 9.59 511,126 2013 7.90 8.68 619,181 2012 8.04 7.90 766,984 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $22.55 $30.98 0 2020 Series II Shares 16.56 22.55 0 2019 18.05 16.56 0 2018 14.34 18.05 0 2017 14.34 14.34 0 2016 13.77 14.34 0 2015 13.32 13.77 0 2014 10.03 13.32 0 2013 8.81 10.03 0 2012 8.92 8.81 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $21.91 $27.33 112,022 2020 17.02 21.91 32,100 2019 20.07 17.02 43,765 2018 15.03 20.07 95,412 2017 15.36 15.03 104,630 2016 15.13 15.36 162,320 2015 15.14 15.13 194,399 2014 12.17 15.14 166,487 2013 10.27 12.17 224,885 2012 11.46 10.27 277,243 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-119

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $23.28 $25.92 2,239 2020 18.04 23.28 199,221 2019 20.04 18.04 267,199 2018 17.54 20.04 239,189 2017 16.09 17.54 300,830 2016 15.93 16.09 236,351 2015 14.73 15.93 287,711 2014 11.44 14.73 356,287 2013 10.02 11.44 494,923 2012 10.26 10.02 1,145,252 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $23.94 $28.05 26,572 2020 Series II Shares 19.38 23.94 36,082 2019 22.12 19.38 46,595 2018 19.82 22.12 74,020 2017 17.19 19.82 91,502 2016 18.69 17.19 159,719 2015 17.09 18.69 180,415 2014 12.41 17.09 319,694 2013 10.77 12.41 481,652 2012 11.26 10.77 580,382 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $22.46 $31.32 0 2020 16.77 22.46 0 2019 17.76 16.77 0 2018 14.24 17.76 0 2017 14.21 14.24 0 2016 13.82 14.21 0 2015 13.01 13.82 0 2014 9.48 13.01 0 2013 10.00 9.48 38 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $27.17 $37.79 0 2020 20.33 27.17 0 2019 21.60 20.33 0 2018 17.36 21.60 0 2017 17.37 17.36 0 2016 16.93 17.37 0 2015 15.98 16.93 0 2014 11.67 15.98 0 2013 10.51 11.67 0 2012 11.46 10.51 0 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $20.75 $20.10 9,865 2020 16.95 20.75 12,087 2019 19.75 16.95 14,871 2018 17.15 19.75 17,628 2017 14.97 17.15 202,831 2016 16.29 14.97 30,335 2015 15.24 16.29 34,673 2014 11.47 15.24 51,216 2013 9.85 11.47 73,630 2012 10.27 9.85 97,013 2011 --------------------------------------------------------------------------------------------------------------------------

B-120

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $19.08 $21.28 1,570 2020 15.11 19.08 242,342 2019 17.02 15.11 316,792 2018 15.35 17.02 283,093 2017 14.22 15.35 306,818 2016 15.40 14.22 5,037 2015 14.54 15.40 5,193 2014 11.49 14.54 7,177 2013 10.30 11.49 8,320 2012 10.52 10.30 9,592 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $16.27 $17.47 64,114 2020 13.84 16.27 86,825 2019 15.65 13.84 98,185 2018 14.42 15.65 109,237 2017 12.82 14.42 124,216 2016 13.44 12.82 138,546 2015 12.61 13.44 183,490 2014 10.31 12.61 190,575 2013 9.37 10.31 224,387 2012 9.69 9.37 239,748 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $17.44 $19.43 8,326 2020 13.88 17.44 91,264 2019 16.72 13.88 121,068 2018 13.91 16.72 131,566 2017 14.30 13.91 102,478 2016 14.99 14.30 244,005 2015 15.29 14.99 181,474 2014 13.15 15.29 203,430 2013 11.65 13.15 249,902 2012 12.78 11.65 218,577 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $14.28 $14.73 5,008 2020 11.20 14.28 6,423 2019 14.18 11.20 8,619 2018 12.35 14.18 10,310 2017 10.69 12.35 12,810 2016 12.22 10.69 17,413 2015 11.72 12.22 25,991 2014 8.98 11.72 32,390 2013 7.79 8.98 41,609 2012 8.24 7.79 47,932 2011 -------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. -------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.02 $12.90 49,547 2020 11.27 12.02 148,582 2019 11.84 11.27 171,584 2018 11.66 11.84 170,996 2017 11.41 11.66 192,288 2016 11.94 11.41 68,456 2015 11.80 11.94 327,679 2014 13.16 11.80 363,758 2013 12.51 13.16 359,112 2012 11.43 12.51 394,721 2011 --------------------------------------------------------------------------------------------------------------------

B-121

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $22.35 $26.19 1,716 2020 17.73 22.35 2,200 2019 19.40 17.73 2,680 2018 17.40 19.40 3,140 2017 14.39 17.40 3,706 2016 15.76 14.39 5,710 2015 15.31 15.76 7,762 2014 11.00 15.31 9,431 2013 9.92 11.00 12,743 2012 10.40 9.92 13,593 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $20.34 $20.54 8,038 2020 16.81 20.34 61,024 2019 18.68 16.81 75,428 2018 17.65 18.68 88,993 2017 15.31 17.65 160,016 2016 16.65 15.31 18,389 2015 15.51 16.65 24,546 2014 11.50 15.51 31,045 2013 10.32 11.50 40,742 2012 10.83 10.32 60,191 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $17.66 $20.88 410,094 2020 15.31 17.66 548,061 2019 16.91 15.31 718,644 2018 15.19 16.91 831,199 2017 14.93 15.19 972,911 2016 15.40 14.93 1,126,057 2015 15.43 15.40 1,381,852 2014 13.76 15.43 1,588,696 2013 12.78 13.76 1,962,172 2012 13.54 12.78 2,517,257 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $28.03 $39.37 0 2020 21.62 28.03 0 2019 21.48 21.62 0 2018 16.97 21.48 0 2017 16.11 16.97 0 2016 16.04 16.11 0 2015 14.37 16.04 0 2014 10.98 14.37 0 2013 9.77 10.98 0 2012 9.74 9.77 0 2011 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.73 $21.62 201,222 2020 12.96 16.73 70,696 2019 13.56 12.96 95,394 2018 10.41 13.56 188,540 2017 10.00 10.41 19,104 2016 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.03 $12.83 20,410 2020 9.82 12.03 24,553 2019 12.05 9.82 32,790 2018 9.67 12.05 37,362 2017 10.00 9.67 50,838 2016 -----------------------------------------------------------------------------------------------------------------------------

B-122

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $12.68 $12.67 47,767 2020 12.09 12.68 110,525 2019 12.35 12.09 153,263 2018 12.19 12.35 77,070 2017 11.43 12.19 86,103 2016 11.78 11.43 108,816 2015 11.96 11.78 249,133 2014 11.76 11.96 266,010 2013 11.19 11.76 225,266 2012 11.13 11.19 1,801 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $19.08 $19.71 1,454 2020 17.07 19.08 1,751 2019 18.05 17.07 2,123 2018 17.29 18.05 2,480 2017 15.41 17.29 3,201 2016 16.18 15.41 3,943 2015 16.12 16.18 4,267 2014 15.42 16.12 6,755 2013 13.78 15.42 8,215 2012 13.40 13.78 9,293 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $29.14 $36.68 16,259 2020 22.28 29.14 18 2019 21.97 22.28 304 2018 17.52 21.97 595 2017 17.30 17.52 971 2016 16.64 17.30 1,134 2015 15.52 16.64 2,680 2014 11.34 15.52 6,183 2013 9.90 11.34 8,105 2012 11.68 9.90 287,551 2011 --------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------- VIP Asset Manager/SM/ Portfolio -- Service Class 2 $17.19 $19.28 33,272 2020 14.87 17.19 44,256 2019 16.09 14.87 55,959 2018 14.44 16.09 66,004 2017 14.33 14.44 110,777 2016 14.64 14.33 114,451 2015 14.16 14.64 117,805 2014 12.54 14.16 148,127 2013 11.40 12.54 170,078 2012 11.98 11.40 239,676 2011 --------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $19.83 $23.72 236,606 2020 16.31 19.83 269,622 2019 17.43 16.31 307,825 2018 15.32 17.43 400,280 2017 14.62 15.32 444,562 2016 14.87 14.62 524,833 2015 13.80 14.87 585,204 2014 11.81 13.80 712,268 2013 10.50 11.81 857,237 2012 11.15 10.50 852,229 2011 ---------------------------------------------------------------------------------------------------------------------

B-123

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $25.24 $32.20 1,743 2020 19.63 25.24 43,982 2019 21.47 19.63 59,891 2018 18.03 21.47 113,603 2017 17.08 18.03 91,496 2016 17.37 17.08 438,897 2015 15.88 17.37 517,671 2014 12.38 15.88 686,046 2013 10.88 12.38 954,388 2012 11.43 10.88 3,985 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $26.57 $34.71 0 2020 20.90 26.57 0 2019 22.50 20.90 0 2018 18.60 22.50 0 2017 18.50 18.60 0 2016 18.69 18.50 0 2015 17.24 18.69 0 2014 12.73 17.24 0 2013 10.63 12.73 0 2012 11.17 10.63 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $19.67 $20.51 214,342 2020 15.80 19.67 61,366 2019 17.64 15.80 81,257 2018 15.99 17.64 95,838 2017 13.87 15.99 19,800 2016 14.78 13.87 249,410 2015 13.91 14.78 278,920 2014 11.11 13.91 391,565 2013 9.69 11.11 528,087 2012 9.83 9.69 63,923 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $23.00 $24.24 0 2020 18.10 23.00 0 2019 20.36 18.10 0 2018 17.82 20.36 0 2017 15.71 17.82 0 2016 16.46 15.71 0 2015 15.24 16.46 0 2014 11.68 15.24 0 2013 10.08 11.68 0 2012 10.16 10.08 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $31.69 $52.22 59,468 2020 23.03 31.69 1,337 2019 20.95 23.03 2,011 2018 15.94 20.95 1,013 2017 16.26 15.94 2,021 2016 15.76 16.26 191,636 2015 14.37 15.76 94,130 2014 10.67 14.37 114,915 2013 10.00 10.67 168,260 2012 -----------------------------------------------------------------------------------------------------------------------

B-124

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $29.63 $41.67 1,913 2020 22.58 29.63 3,103 2019 23.16 22.58 4,463 2018 17.53 23.16 5,430 2017 17.80 17.53 9,637 2016 17.00 17.80 10,805 2015 15.64 17.00 20,454 2014 11.74 15.64 27,903 2013 10.47 11.74 37,599 2012 10.70 10.47 54,226 2011 ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $12.87 $13.77 219,398 2020 12.01 12.87 270,735 2019 12.36 12.01 315,312 2018 12.14 12.36 539,663 2017 11.86 12.14 608,306 2016 12.21 11.86 630,144 2015 11.80 12.21 432,119 2014 12.31 11.80 560,182 2013 11.90 12.31 665,401 2012 11.35 11.90 3,342 2011 ---------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $23.01 $26.56 7,867 2020 19.07 23.01 86,947 2019 22.85 19.07 108,150 2018 19.35 22.85 118,002 2017 17.65 19.35 151,043 2016 18.32 17.65 160,471 2015 17.64 18.32 308,215 2014 13.25 17.64 315,907 2013 11.81 13.25 453,250 2012 13.52 11.81 57,448 2011 ---------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $21.27 $22.51 0 2020 16.19 21.27 0 2019 20.04 16.19 0 2018 17.18 20.04 0 2017 16.05 17.18 0 2016 16.93 16.05 0 2015 16.23 16.93 0 2014 12.72 16.23 0 2013 10.22 12.72 0 2012 11.47 10.22 0 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.23 $14.48 29,154 2020 11.27 13.23 37,945 2019 12.73 11.27 51,730 2018 11.61 12.73 58,790 2017 10.47 11.61 68,956 2016 11.40 10.47 85,291 2015 11.31 11.40 114,000 2014 9.33 11.31 158,673 2013 8.26 9.33 196,185 2012 8.57 8.26 246,239 2011 ----------------------------------------------------------------------------------------------------------------

B-125

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $17.37 $17.13 1,873,836 2020 15.28 17.37 2,237,147 2019 16.30 15.28 2,782,347 2018 15.17 16.30 3,317,459 2017 13.59 15.17 3,966,960 2016 14.92 13.59 4,911,063 2015 14.56 14.92 5,806,252 2014 13.05 14.56 7,031,191 2013 11.83 13.05 8,628,720 2012 11.79 11.83 10,811,811 2011 ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $17.44 $16.22 311 2020 14.52 17.44 283 2019 16.31 14.52 745 2018 15.37 16.31 1,572 2017 13.52 15.37 1,936 2016 14.52 13.52 2,573 2015 13.83 14.52 4,255 2014 11.01 13.83 8,474 2013 9.84 11.01 10,145 2012 10.15 9.84 293,796 2011 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $11.92 $12.35 0 2020 10.57 11.92 0 2019 12.67 10.57 0 2018 10.92 12.67 0 2017 10.17 10.92 0 2016 11.10 10.17 0 2015 11.66 11.10 0 2014 9.10 11.66 0 2013 7.67 9.10 0 2012 8.42 7.67 0 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 8.92 $ 8.76 258,809 2020 8.94 8.92 285,666 2019 8.99 8.94 223,681 2018 9.13 8.99 383,001 2017 9.32 9.13 384,685 2016 9.51 9.32 592,645 2015 9.71 9.51 475,533 2014 9.92 9.71 528,587 2013 10.00 9.92 645,177 2012 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Mid Cap Value Fund -- Institutional Shares $22.02 $23.38 3,908 2020 17.09 22.02 5,239 2019 19.49 17.09 7,235 2018 17.92 19.49 9,146 2017 16.11 17.92 10,608 2016 18.12 16.11 14,490 2015 16.29 18.12 17,616 2014 12.52 16.29 22,597 2013 10.79 12.52 31,693 2012 11.76 10.79 41,050 2011 ----------------------------------------------------------------------------------------------------------------------

B-126

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $24.52 $27.39 222,534 2020 20.47 24.52 250,585 2019 20.81 20.47 294,123 2018 17.99 20.81 334,868 2017 17.60 17.99 402,825 2016 17.90 17.60 503,484 2015 16.88 17.90 557,821 2014 14.38 16.88 610,798 2013 12.95 14.38 767,753 2012 13.05 12.95 989,045 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $34.33 $46.76 1,186 2020 25.61 34.33 1,485 2019 25.71 25.61 1,874 2018 20.19 25.71 1,147 2017 20.22 20.19 78,384 2016 18.44 20.22 93,386 2015 17.36 18.44 122,476 2014 13.54 17.36 145,452 2013 11.16 13.54 202,487 2012 12.24 11.16 173,233 2011 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $24.16 $27.86 2,535 2020 19.77 24.16 3,184 2019 22.08 19.77 3,967 2018 19.43 22.08 4,757 2017 19.65 19.43 5,247 2016 20.46 19.65 5,585 2015 17.40 20.46 5,992 2014 12.05 17.40 9,359 2013 10.39 12.05 15,345 2012 10.38 10.39 19,667 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $19.84 $20.89 56,908 2020 15.41 19.84 72,367 2019 16.57 15.41 86,236 2018 14.21 16.57 98,811 2017 12.64 14.21 110,086 2016 13.50 12.64 123,634 2015 12.15 13.50 213,577 2014 9.87 12.15 273,440 2013 8.83 9.87 297,114 2012 8.37 8.83 372,413 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.24 $13.65 2,919 2020 10.49 13.24 3,917 2019 11.75 10.49 5,463 2018 10.44 11.75 7,302 2017 9.44 10.44 8,193 2016 9.92 9.44 9,769 2015 10.00 9.92 14,963 2014 ----------------------------------------------------------------------------------------------------------------------

B-127

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------ MFS(R) Variable Insurance Trust ------------------------------------------------------------------------------------------------------------------ MFS(R) Investors Trust Series -- Service Class Shares $25.44 $28.30 0 2020 19.79 25.44 0 2019 21.43 19.79 0 2018 17.78 21.43 0 2017 16.76 17.78 0 2016 17.12 16.76 0 2015 15.78 17.12 0 2014 12.23 15.78 0 2013 10.51 12.23 0 2012 10.99 10.51 0 2011 ------------------------------------------------------------------------------------------------------------------ MFS(R) New Discovery Series -- Service Class Shares $32.42 $46.23 1,097 2020 23.43 32.42 1,989 2019 24.34 23.43 2,961 2018 19.67 24.34 4,433 2017 18.46 19.67 6,082 2016 19.25 18.46 7,174 2015 21.25 19.25 8,388 2014 15.36 21.25 9,787 2013 12.97 15.36 12,939 2012 14.80 12.97 14,735 2011 ------------------------------------------------------------------------------------------------------------------ MFS(R) Total Return Series -- Service Class Shares $17.58 $18.86 299,761 2020 14.95 17.58 360,289 2019 16.21 14.95 417,497 2018 14.77 16.21 509,861 2017 13.86 14.77 603,833 2016 14.23 13.86 660,003 2015 13.43 14.23 758,684 2014 11.54 13.43 836,139 2013 10.62 11.54 1,004,489 2012 10.68 10.62 1,259,523 2011 ------------------------------------------------------------------------------------------------------------------ MFS(R) Utilities Series -- Service Class Shares $26.16 $27.06 0 2020 21.40 26.16 0 2019 21.67 21.40 0 2018 19.33 21.67 0 2017 17.74 19.33 0 2016 21.24 17.74 0 2015 19.28 21.24 0 2014 16.38 19.28 0 2013 14.77 16.38 1,802 2012 14.16 14.77 379 2011 ------------------------------------------------------------------------------------------------------------------ MFS(R) Variable Insurance Trust II ------------------------------------------------------------------------------------------------------------------ MFS(R) Massachusetts Investors Growth Stock Portfolio -- $16.97 $20.31 2,218 2020 Service Class Shares 12.41 16.97 3,254 2019 12.60 12.41 4,662 2018 10.04 12.60 5,911 2017 9.68 10.04 9,717 2016 10.00 9.68 11,179 2015 ------------------------------------------------------------------------------------------------------------------

B-128

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $14.28 $15.09 0 2020 13.05 14.28 0 2019 14.09 13.05 0 2018 12.69 14.09 0 2017 11.47 12.69 0 2016 12.90 11.47 0 2015 13.11 12.90 0 2014 13.37 13.11 0 2013 11.89 13.37 0 2012 11.91 11.89 0 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $17.82 $18.46 39,315 2020 15.86 17.82 86,734 2019 16.63 15.86 80,054 2018 15.93 16.63 71,224 2017 14.46 15.93 82,553 2016 15.01 14.46 235,694 2015 14.83 15.01 176,418 2014 14.32 14.83 145,164 2013 12.79 14.32 163,244 2012 12.63 12.79 270,436 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $18.00 $20.70 89,170 2020 16.22 18.00 79,071 2019 16.96 16.22 74,020 2018 15.89 16.96 60,869 2017 16.11 15.89 71,547 2016 16.68 16.11 5,974 2015 13.73 16.68 7,008 2014 16.11 13.73 10,603 2013 15.75 16.11 9,404 2012 12.58 15.75 12,220 2011 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.50 $11.60 316,645 2020 11.29 11.50 160,529 2019 11.49 11.29 176,690 2018 11.57 11.49 191,697 2017 11.65 11.57 212,880 2016 11.85 11.65 407,000 2015 12.00 11.85 993,354 2014 12.27 12.00 1,043,750 2013 11.83 12.27 1,112,412 2012 11.95 11.83 1,227,732 2011 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $14.76 $15.71 171,741 2020 13.90 14.76 258,554 2019 14.27 13.90 323,906 2018 13.89 14.27 502,217 2017 13.81 13.89 571,290 2016 14.04 13.81 721,475 2015 13.74 14.04 489,330 2014 14.31 13.74 620,404 2013 13.33 14.31 660,349 2012 13.14 13.33 821,966 2011 ----------------------------------------------------------------------------------------------------------------------------

B-129

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Rydex Variable Trust -------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $39.12 $55.54 0 2020 29.18 39.12 0 2019 30.34 29.18 0 2018 23.62 30.34 0 2017 22.75 23.62 0 2016 21.46 22.75 0 2015 18.66 21.46 0 2014 14.15 18.66 0 2013 12.37 14.15 0 2012 12.36 12.37 0 2011 -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.03 $12.61 3,523 2020 11.31 12.03 3,764 2019 11.71 11.31 4,457 2018 11.58 11.71 6,273 2017 11.48 11.58 6,604 2016 11.77 11.48 9,291 2015 11.43 11.77 10,360 2014 11.83 11.43 11,260 2013 11.42 11.83 11,084 2012 10.88 11.42 13,536 2011 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $29.73 $38.91 0 2020 22.10 29.73 0 2019 23.18 22.10 0 2018 18.44 23.18 0 2017 18.37 18.44 0 2016 18.16 18.37 0 2015 16.25 18.16 0 2014 12.30 16.25 0 2013 10.39 12.30 0 2012 10.56 10.39 0 2011 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $25.11 $23.31 26,140 2020 20.32 25.11 28,093 2019 22.01 20.32 35,666 2018 21.22 22.01 43,288 2017 20.06 21.22 50,249 2016 19.59 20.06 62,924 2015 15.16 19.59 75,477 2014 15.09 15.16 158,212 2013 13.19 15.09 60,588 2012 12.26 13.19 73,481 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $25.86 $29.87 72 2020 20.15 25.86 85 2019 21.59 20.15 80 2018 18.14 21.59 122 2017 16.59 18.14 143 2016 16.76 16.59 171 2015 15.11 16.76 188 2014 11.69 15.11 486 2013 10.31 11.69 596 2012 10.35 10.31 6,022 2011 --------------------------------------------------------------------------------------------------------------

B-130

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $23.95 $26.87 2,605 2020 19.39 23.95 3,250 2019 21.92 19.39 3,985 2018 19.85 21.92 4,205 2017 16.38 19.85 5,304 2016 17.44 16.38 7,126 2015 17.16 17.44 10,299 2014 12.80 17.16 13,522 2013 11.40 12.80 18,193 2012 11.29 11.40 27,947 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 1 Shares $16.13 $16.81 1,200,802 2020 14.22 16.13 1,452,284 2019 15.50 14.22 1,765,936 2018 13.69 15.50 2,085,323 2017 13.14 13.69 2,695,063 2016 13.57 13.14 3,181,385 2015 13.15 13.57 3,900,241 2014 11.68 13.15 4,630,031 2013 10.60 11.68 5,454,867 2012 11.14 10.60 6,904,460 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $14.32 $14.89 2,747,476 2020 12.65 14.32 3,345,686 2019 13.83 12.65 4,044,152 2018 12.25 13.83 4,800,112 2017 11.79 12.25 5,682,378 2016 12.20 11.79 6,827,170 2015 11.85 12.20 8,149,908 2014 10.56 11.85 9,610,320 2013 9.60 10.56 11,747,555 2012 10.12 9.60 13,758,448 2011 ----------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $24.96 $29.98 0 2020 19.34 24.96 0 2019 20.44 19.34 0 2018 17.40 20.44 0 2017 16.25 17.40 0 2016 16.98 16.25 0 2015 15.37 16.98 0 2014 11.72 15.37 0 2013 10.33 11.72 0 2012 10.86 10.33 0 2011 ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $25.10 $32.07 398 2020 19.96 25.10 508 2019 21.62 19.96 570 2018 17.01 21.62 1,154 2017 17.15 17.01 1,422 2016 16.54 17.15 1,668 2015 15.83 16.54 1,883 2014 12.49 15.83 2,440 2013 11.53 12.49 2,984 2012 12.33 11.53 3,168 2011 -----------------------------------------------------------------------------------------------------------

B-131

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $30.76 $46.87 457 2020 23.64 30.76 783 2019 24.43 23.64 1,169 2018 18.32 24.43 1,555 2017 18.94 18.32 2,125 2016 17.42 18.94 3,115 2015 16.23 17.42 4,593 2014 12.08 16.23 8,381 2013 10.66 12.08 10,576 2012 10.89 10.66 11,757 2011 -------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 8.51 $ 9.32 65,702 2020 7.88 8.51 167,456 2019 9.86 7.88 186,768 2018 10.12 9.86 148,857 2017 8.28 10.12 101,212 2016 11.87 8.28 73,825 2015 15.12 11.87 62,740 2014 14.06 15.12 53,669 2013 14.79 14.06 63,486 2012 18.72 14.79 1,753 2011 -------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $32.48 $45.56 0 2020 24.20 32.48 0 2019 24.64 24.20 0 2018 18.69 24.64 0 2017 18.98 18.69 0 2016 19.12 18.98 0 2015 18.79 19.12 0 2014 13.72 18.79 0 2013 11.63 13.72 0 2012 12.57 11.63 0 2011 --------------------------------------------------------------------------------------------------------

B-132 Lifetime Income Plus Elected -- reset on or after 07/15/19

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. --------------------------------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $10.38 $11.03 0 2020 10.00 10.38 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $10.56 $14.29 0 2020 10.00 10.56 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $10.62 $10.59 0 2020 10.00 10.62 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $10.60 $10.54 7,648 2020 10.00 10.60 2,912 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $10.83 $14.25 0 2020 10.00 10.83 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $10.27 $15.35 5,411 2020 10.00 10.27 0 2019 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $10.88 $14.42 0 2020 10.00 10.88 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $10.31 $11.50 8,600 2020 10.00 10.31 8,905 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $10.39 $14.17 0 2020 Series II Shares 10.00 10.39 0 2019 - ----------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $10.63 $13.17 30,575 2020 10.00 10.63 1,935 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $10.59 $11.72 0 2020 10.00 10.59 12,636 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $10.80 $12.57 6,483 2020 Series II Shares 10.00 10.80 1,909 2019 - ----------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $10.89 $15.09 0 2020 10.00 10.89 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $10.88 $15.03 0 2020 10.00 10.88 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $10.71 $10.31 0 2020 10.00 10.71 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $10.69 $11.84 0 2020 10.00 10.69 12,528 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $10.43 $11.12 1,624 2020 10.00 10.43 0 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $10.56 $11.68 0 2020 10.00 10.56 3,905 2019 --------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $10.68 $10.95 0 2020 10.00 10.68 0 2019 --------------------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. --------------------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $10.08 $10.74 7,372 2020 10.00 10.08 5,039 2019 ---------------------------------------------------------------------------------------------------------------------------------

B-133

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $10.59 $12.33 0 2020 10.00 10.59 0 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $10.59 $10.63 0 2020 10.00 10.59 2,927 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $10.49 $12.32 37,074 2020 10.00 10.49 11,725 2019 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $10.28 $14.35 0 2020 10.00 10.28 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $10.53 $13.52 41,243 2020 10.00 10.53 2,930 2019 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $10.77 $11.40 0 2020 10.00 10.77 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust ----------------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $10.08 $10.00 7,881 2020 10.00 10.08 4,048 2019 ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $10.23 $10.50 0 2020 10.00 10.23 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $10.33 $12.91 6,158 2020 10.00 10.33 0 2019 ----------------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund ----------------------------------------------------------------------------------------------------------------------------- VIP Asset Manager/SM/ Portfolio -- Service Class 2 $10.46 $11.66 0 2020 10.00 10.46 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $10.63 $12.63 14,411 2020 10.00 10.63 1,078 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $10.62 $13.45 0 2020 10.00 10.62 2,912 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $10.65 $13.81 0 2020 10.00 10.65 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $10.72 $11.11 50,681 2020 10.00 10.72 2,880 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $10.96 $11.48 0 2020 10.00 10.96 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $10.88 $17.80 22,893 2020 10.00 10.88 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $10.76 $15.03 0 2020 10.00 10.76 0 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $10.14 $10.77 36,630 2020 10.00 10.14 10,008 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $10.35 $11.87 0 2020 10.00 10.35 4,979 2019 ----------------------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $10.81 $11.36 0 2020 10.00 10.81 0 2019 -----------------------------------------------------------------------------------------------------------------------------

B-134

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $10.44 $11.35 3,687 2020 10.00 10.44 3,032 2019 ---------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $10.30 $10.09 107,928 2020 10.00 10.30 67,981 2019 ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $10.57 $ 9.77 0 2020 10.00 10.57 0 2019 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $10.63 $10.94 0 2020 10.00 10.63 0 2019 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.95 $ 9.70 0 2020 10.00 9.95 0 2019 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Mid Cap Value Fund -- Institutional Shares $10.66 $11.25 0 2020 10.00 10.66 0 2019 ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $10.62 $11.78 15,955 2020 10.00 10.62 361 2019 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $10.80 $14.61 0 2020 10.00 10.80 0 2019 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $10.98 $12.58 0 2020 10.00 10.98 0 2019 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $10.69 $11.18 4,614 2020 10.00 10.69 0 2019 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $10.62 $10.88 0 2020 10.00 10.62 0 2019 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $10.61 $11.73 0 2020 10.00 10.61 0 2019 ---------------------------------------------------------------------------------------------------------------------- MFS(R) New Discovery Series -- Service Class Shares $10.61 $15.03 0 2020 10.00 10.61 0 2019 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $10.46 $11.15 33,111 2020 10.00 10.46 4,753 2019 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares 10.51 10.80 0 2020 10.00 10.51 0 2019 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $10.95 $13.02 0 2020 Service Class Shares 10.00 10.95 0 2019 - -----------------------------------------------------

B-135

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $10.20 $10.71 0 2020 10.00 10.20 0 2019 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $10.24 $10.54 7,512 2020 10.00 10.24 3,989 2019 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $10.16 $11.60 20,380 2020 10.00 10.16 3,926 2019 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $10.01 $10.03 39,147 2020 10.00 10.01 3,046 2019 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $10.10 $10.67 29,516 2020 10.00 10.10 10,037 2019 ---------------------------------------------------------------------------------------------------------------------------- Rydex Variable Trust ---------------------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $11.02 $15.54 0 2020 10.00 11.02 0 2019 ---------------------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. ---------------------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $10.09 $10.51 0 2020 10.00 10.09 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $11.06 $14.38 0 2020 10.00 11.06 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $10.24 $ 9.44 8,481 2020 10.00 10.24 2,005 2019 ---------------------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $10.80 $12.39 0 2020 10.00 10.80 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $10.61 $11.83 0 2020 10.00 10.61 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 1 Shares $10.25 $10.62 51,289 2020 10.00 10.25 16,822 2019 ---------------------------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $10.24 $10.58 204,841 2020 10.00 10.24 130,853 2019 ---------------------------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $10.78 $12.86 0 2020 10.00 10.78 0 2019 ---------------------------------------------------------------------------------------------------------------------------- The Prudential Series Fund ---------------------------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $10.69 $13.56 0 2020 10.00 10.69 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $10.71 $16.21 0 2020 10.00 10.71 0 2019 ---------------------------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 9.72 $10.57 7,741 2020 10.00 9.72 4,282 2019 ---------------------------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust ---------------------------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $10.43 $14.53 0 2020 10.00 10.43 0 2019 ----------------------------------------------------------------------------------------------------------------------------

B-136 No Optional Benefit Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $15.18 $16.34 61,878 2020 13.03 15.18 69,530 2019 14.13 13.03 88,440 2018 12.40 14.13 98,388 2017 12.05 12.40 100,961 2016 12.07 12.05 123,067 2015 11.43 12.07 115,678 2014 9.98 11.43 69,891 2013 8.93 9.98 80,605 2012 9.35 8.93 72,277 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $25.51 $34.96 23,297 2020 19.94 25.51 27,081 2019 22.48 19.94 30,014 2018 16.74 22.48 34,063 2017 17.13 16.74 35,775 2016 16.94 17.13 55,495 2015 16.40 16.94 66,753 2014 13.54 16.40 86,765 2013 12.13 13.54 95,822 2012 16.07 12.13 112,722 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $31.82 $32.13 116,457 2020 26.12 31.82 166,289 2019 28.15 26.12 182,058 2018 24.09 28.15 209,950 2017 22.00 24.09 201,381 2016 22.01 22.00 252,226 2015 20.44 22.01 318,394 2014 15.41 20.44 387,200 2013 13.34 15.41 489,877 2012 12.76 13.34 626,142 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $11.12 $11.20 269,705 2020 9.66 11.12 323,575 2019 12.73 9.66 382,277 2018 10.33 12.73 359,466 2017 10.56 10.33 680,481 2016 10.47 10.56 679,651 2015 11.36 10.47 738,772 2014 9.39 11.36 848,227 2013 8.34 9.39 1,277,686 2012 10.51 8.34 1,311,744 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $41.69 $55.53 287,464 2020 31.48 41.69 309,582 2019 31.22 31.48 323,474 2018 24.06 31.22 318,418 2017 23.85 24.06 329,904 2016 21.83 23.85 368,756 2015 19.46 21.83 104,547 2014 14.41 19.46 110,903 2013 12.53 14.41 114,755 2012 13.21 12.53 164,656 2011 ----------------------------------------------------------------------------------------------------------

B-137

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $29.86 $45.21 283,342 2020 22.28 29.86 288,401 2019 22.86 22.28 313,926 2018 17.34 22.86 86,410 2017 16.56 17.34 87,307 2016 17.07 16.56 112,328 2015 17.69 17.07 478,651 2014 12.35 17.69 644,865 2013 10.92 12.35 492,685 2012 10.63 10.92 718,422 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $31.10 $41.76 124,571 2020 23.23 31.10 44,201 2019 25.07 23.23 51,417 2018 20.11 25.07 47,492 2017 20.91 20.11 56,118 2016 20.54 20.91 68,446 2015 18.11 20.54 92,946 2014 14.20 18.11 121,533 2013 12.66 14.20 142,910 2012 13.02 12.66 174,915 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $14.11 $15.94 92,883 2020 12.22 14.11 84,983 2019 13.13 12.22 103,500 2018 12.22 13.13 129,827 2017 11.82 12.22 136,570 2016 11.92 11.82 176,397 2015 11.20 11.92 179,690 2014 10.07 11.20 218,726 2013 9.12 10.07 267,237 2012 9.22 9.12 336,572 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $35.99 $49.74 99,428 2020 Series II Shares 26.27 35.99 134,113 2019 28.45 26.27 148,366 2018 22.48 28.45 166,160 2017 22.34 22.48 175,705 2016 21.32 22.34 201,831 2015 20.50 21.32 57,918 2014 15.34 20.50 62,949 2013 13.40 15.34 84,361 2012 13.48 13.40 87,946 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $41.88 $52.55 429,239 2020 32.33 41.88 431,998 2019 37.88 32.33 484,537 2018 28.19 37.88 377,273 2017 28.65 28.19 391,149 2016 28.04 28.65 772,731 2015 27.88 28.04 881,897 2014 22.28 27.88 989,848 2013 18.69 22.28 755,258 2012 20.73 18.69 956,489 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-138

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $32.84 $36.80 90,268 2020 25.30 32.84 283,256 2019 27.93 25.30 333,549 2018 24.30 27.93 332,361 2017 22.15 24.30 432,625 2016 21.80 22.15 378,987 2015 20.04 21.80 499,153 2014 15.47 20.04 627,250 2013 13.46 15.47 802,319 2012 13.70 13.46 1,385,701 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $42.92 $50.60 120,626 2020 Series II Shares 34.53 42.92 141,625 2019 39.16 34.53 160,401 2018 34.89 39.16 197,667 2017 30.08 34.89 329,909 2016 32.50 30.08 311,817 2015 29.54 32.50 508,211 2014 21.32 29.54 734,512 2013 18.38 21.32 733,359 2012 19.11 18.38 894,911 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $23.68 $33.22 439,882 2020 17.57 23.68 473,185 2019 18.50 17.57 492,380 2018 14.74 18.50 658,287 2017 14.63 14.74 102,504 2016 14.13 14.63 106,355 2015 13.23 14.13 114,336 2014 9.58 13.23 114,973 2013 10.00 9.58 122,884 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $37.13 $51.96 42,458 2020 27.62 37.13 45,996 2019 29.16 27.62 58,578 2018 23.29 29.16 71,748 2017 23.17 23.29 73,193 2016 22.44 23.17 83,642 2015 21.05 22.44 103,498 2014 15.28 21.05 127,797 2013 13.67 15.28 147,260 2012 14.82 13.67 161,201 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $31.86 $31.06 212,468 2020 25.88 31.86 242,564 2019 29.96 25.88 277,148 2018 25.86 29.96 343,732 2017 22.43 25.86 579,048 2016 24.26 22.43 481,943 2015 22.56 24.26 628,027 2014 16.88 22.56 713,358 2013 14.40 16.88 857,966 2012 14.93 14.40 1,074,202 2011 --------------------------------------------------------------------------------------------------------------------------

B-139

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $20.74 $23.27 5,570 2020 16.32 20.74 280,017 2019 18.28 16.32 329,319 2018 16.39 18.28 306,365 2017 15.08 16.39 374,832 2016 16.24 15.08 30,285 2015 15.24 16.24 160,258 2014 11.96 15.24 37,411 2013 10.66 11.96 38,903 2012 10.82 10.66 44,517 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $17.58 $18.99 36,864 2020 14.86 17.58 40,325 2019 16.71 14.86 46,572 2018 15.30 16.71 59,441 2017 13.52 15.30 62,575 2016 14.08 13.52 70,140 2015 13.14 14.08 83,159 2014 10.68 13.14 87,746 2013 9.64 10.68 59,087 2012 9.91 9.64 59,240 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $21.84 $24.48 103,685 2020 17.28 21.84 196,871 2019 20.68 17.28 254,914 2018 17.10 20.68 288,293 2017 17.47 17.10 294,411 2016 18.20 17.47 436,511 2015 18.45 18.20 429,272 2014 15.77 18.45 499,017 2013 13.89 15.77 549,154 2012 15.15 13.89 760,948 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $21.70 $22.52 93,822 2020 16.92 21.70 106,707 2019 21.29 16.92 114,932 2018 18.43 21.29 131,137 2017 15.86 18.43 157,987 2016 18.01 15.86 171,782 2015 17.18 18.01 184,006 2014 13.08 17.18 218,416 2013 11.28 13.08 260,164 2012 11.85 11.28 317,181 2011 -------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. -------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $13.05 $14.09 116,517 2020 12.16 13.05 203,453 2019 12.70 12.16 219,272 2018 12.43 12.70 220,172 2017 12.08 12.43 256,785 2016 12.57 12.08 183,802 2015 12.34 12.57 504,241 2014 13.69 12.34 647,715 2013 12.93 13.69 787,136 2012 11.74 12.93 750,679 2011 --------------------------------------------------------------------------------------------------------------------

B-140

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $28.02 $33.04 37,369 2020 22.10 28.02 52,496 2019 24.02 22.10 59,841 2018 21.41 24.02 69,074 2017 17.61 21.41 92,677 2016 19.17 17.61 120,265 2015 18.51 19.17 158,860 2014 13.22 18.51 180,702 2013 11.84 13.22 409,640 2012 12.34 11.84 390,311 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $23.26 $23.64 83,552 2020 19.10 23.26 142,637 2019 21.10 19.10 136,490 2018 19.82 21.10 162,017 2017 17.08 19.82 263,735 2016 18.47 17.08 164,872 2015 17.10 18.47 208,170 2014 12.60 17.10 232,879 2013 11.24 12.60 269,853 2012 11.73 11.24 307,534 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $20.54 $24.43 592,919 2020 17.70 20.54 651,847 2019 19.43 17.70 798,917 2018 17.34 19.43 923,922 2017 16.95 17.34 1,101,252 2016 17.37 16.95 1,261,460 2015 17.29 17.37 1,432,434 2014 15.34 17.29 1,683,190 2013 14.15 15.34 1,911,127 2012 14.90 14.15 2,345,813 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $33.24 $46.98 106,464 2020 25.49 33.24 71,882 2019 25.17 25.49 42,403 2018 19.76 25.17 32,787 2017 18.64 19.76 27,462 2016 18.46 18.64 51,481 2015 16.43 18.46 92,455 2014 12.48 16.43 100,672 2013 11.03 12.48 109,970 2012 10.94 11.03 140,252 2011 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $17.11 $22.25 501,929 2020 13.18 17.11 400,611 2019 13.70 13.18 525,235 2018 10.45 13.70 716,892 2017 10.00 10.45 633,664 2016 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.31 $13.20 323,014 2020 9.98 12.31 354,963 2019 12.17 9.98 401,063 2018 9.71 12.17 450,596 2017 10.00 9.71 549,135 2016 -----------------------------------------------------------------------------------------------------------------------------

B-141

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $14.47 $14.55 769,065 2020 13.71 14.47 906,075 2019 13.93 13.71 1,016,444 2018 13.66 13.93 1,059,139 2017 12.72 13.66 1,163,367 2016 13.04 12.72 977,134 2015 13.16 13.04 775,011 2014 12.86 13.16 924,989 2013 12.16 12.86 819,444 2012 12.03 12.16 744,903 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $24.73 $25.70 110,129 2020 21.99 24.73 128,216 2019 23.11 21.99 137,780 2018 22.00 23.11 164,858 2017 19.49 22.00 197,191 2016 20.33 19.49 224,866 2015 20.14 20.33 585,596 2014 19.15 20.14 693,993 2013 17.00 19.15 936,138 2012 16.44 17.00 832,408 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $49.09 $62.16 134,577 2020 37.31 49.09 148,678 2019 36.55 37.31 189,218 2018 28.98 36.55 224,859 2017 28.44 28.98 274,346 2016 27.18 28.44 330,647 2015 25.20 27.18 369,070 2014 18.31 25.20 440,194 2013 15.88 18.31 530,060 2012 18.62 15.88 840,132 2011 --------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------- VIP Asset Manager/SM/ Portfolio -- Service Class 2 $19.23 $21.70 34,093 2020 16.53 19.23 37,594 2019 17.77 16.53 41,841 2018 15.86 17.77 46,733 2017 15.64 15.86 93,882 2016 15.88 15.64 125,262 2015 15.27 15.88 204,834 2014 13.44 15.27 220,737 2013 12.15 13.44 256,362 2012 12.68 12.15 272,594 2011 --------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $21.55 $25.94 359,979 2020 17.62 21.55 420,177 2019 18.71 17.62 405,759 2018 16.35 18.71 434,145 2017 15.51 16.35 470,619 2016 15.68 15.51 489,818 2015 14.46 15.68 446,914 2014 12.30 14.46 804,465 2013 10.87 12.30 541,032 2012 11.47 10.87 950,174 2011 ---------------------------------------------------------------------------------------------------------------------

B-142

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $41.62 $53.42 468,361 2020 32.17 41.62 586,107 2019 34.97 32.17 781,190 2018 29.18 34.97 1,082,950 2017 27.49 29.18 1,197,530 2016 27.77 27.49 1,349,235 2015 25.24 27.77 1,595,238 2014 19.56 25.24 2,063,640 2013 17.09 19.56 2,301,863 2012 17.84 17.09 2,264,001 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $37.51 $49.29 12,261 2020 29.32 37.51 18,665 2019 31.37 29.32 21,092 2018 25.77 31.37 35,959 2017 25.47 25.77 39,007 2016 25.59 25.47 45,977 2015 23.46 25.59 53,364 2014 17.22 23.46 44,483 2013 14.29 17.22 47,073 2012 14.92 14.29 46,650 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $29.25 $30.68 447,444 2020 23.35 29.25 352,636 2019 25.90 23.35 387,108 2018 23.33 25.90 461,450 2017 20.11 23.33 465,734 2016 21.31 20.11 694,980 2015 19.94 21.31 813,647 2014 15.83 19.94 1,153,588 2013 13.72 15.83 1,221,185 2012 13.83 13.72 881,578 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $29.91 $31.72 93,890 2020 23.41 29.91 115,006 2019 26.16 23.41 129,810 2018 22.76 26.16 134,374 2017 19.94 22.76 122,938 2016 20.76 19.94 152,040 2015 19.11 20.76 197,396 2014 14.55 19.11 256,698 2013 12.49 14.55 230,747 2012 12.50 12.49 242,599 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $33.26 $55.14 118,359 2020 24.02 33.26 39,610 2019 21.72 24.02 39,649 2018 16.43 21.72 41,500 2017 16.66 16.43 53,600 2016 16.05 16.66 266,830 2015 14.54 16.05 153,757 2014 10.73 14.54 207,670 2013 10.00 10.73 262,173 2012 -----------------------------------------------------------------------------------------------------------------------

B-143

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $40.36 $57.09 86,720 2020 30.57 40.36 184,796 2019 31.15 30.57 198,137 2018 23.45 31.15 219,325 2017 23.66 23.45 145,860 2016 22.46 23.66 356,757 2015 20.53 22.46 386,044 2014 15.32 20.53 421,581 2013 13.58 15.32 275,224 2012 13.79 13.58 263,824 2011 ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $13.91 $14.96 400,102 2020 12.90 13.91 414,772 2019 13.20 12.90 409,686 2018 12.87 13.20 628,508 2017 12.50 12.87 798,888 2016 12.80 12.50 837,121 2015 12.29 12.80 695,718 2014 12.74 12.29 887,429 2013 12.24 12.74 1,094,480 2012 11.60 12.24 234,902 2011 ---------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $46.78 $54.34 168,858 2020 38.54 46.78 322,416 2019 45.89 38.54 352,216 2018 38.63 45.89 415,201 2017 35.02 38.63 642,749 2016 36.12 35.02 504,944 2015 34.57 36.12 663,955 2014 25.82 34.57 883,515 2013 22.87 25.82 982,426 2012 26.03 22.87 887,367 2011 ---------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $24.51 $26.09 60,629 2020 18.55 24.51 46,564 2019 22.81 18.55 50,878 2018 19.44 22.81 59,318 2017 18.05 19.44 65,990 2016 18.92 18.05 79,210 2015 18.02 18.92 279,861 2014 14.05 18.02 321,440 2013 11.22 14.05 89,399 2012 12.52 11.22 102,059 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $14.26 $15.71 96,523 2020 12.07 14.26 135,762 2019 13.56 12.07 150,236 2018 12.29 13.56 183,358 2017 11.02 12.29 288,029 2016 11.92 11.02 345,603 2015 11.76 11.92 388,206 2014 9.64 11.76 431,928 2013 8.48 9.64 418,459 2012 8.74 8.48 443,490 2011 ----------------------------------------------------------------------------------------------------------------

B-144

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $19.85 $19.70 553,283 2020 17.35 19.85 642,482 2019 18.40 17.35 765,299 2018 17.02 18.40 956,697 2017 15.15 17.02 1,171,895 2016 16.54 15.15 1,448,398 2015 16.04 16.54 1,717,208 2014 14.29 16.04 2,098,323 2013 12.87 14.29 2,532,111 2012 12.75 12.87 3,102,381 2011 ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $26.40 $24.70 93,311 2020 21.85 26.40 98,067 2019 24.39 21.85 154,016 2018 22.84 24.39 192,228 2017 19.97 22.84 208,189 2016 21.32 19.97 234,906 2015 20.19 21.32 289,803 2014 15.97 20.19 323,329 2013 14.19 15.97 375,427 2012 14.55 14.19 687,303 2011 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $12.96 $13.51 102,017 2020 11.42 12.96 142,908 2019 13.61 11.42 182,020 2018 11.65 13.61 220,153 2017 10.79 11.65 232,295 2016 11.70 10.79 248,540 2015 12.22 11.70 288,127 2014 9.48 12.22 321,669 2013 7.94 9.48 371,727 2012 8.67 7.94 461,553 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.33 $ 9.22 5,202,855 2020 9.29 9.33 4,420,686 2019 9.29 9.29 3,889,737 2018 9.38 9.29 3,911,313 2017 9.52 9.38 4,618,412 2016 9.66 9.52 3,626,075 2015 9.80 9.66 3,886,163 2014 9.94 9.80 4,439,658 2013 10.00 9.94 4,615,445 2012 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Mid Cap Value Fund -- Institutional Shares $26.31 $28.10 61,349 2020 20.29 26.31 66,535 2019 23.00 20.29 73,552 2018 21.01 23.00 88,506 2017 18.78 21.01 288,783 2016 21.00 18.78 126,963 2015 18.76 21.00 304,048 2014 14.32 18.76 221,668 2013 12.27 14.32 192,312 2012 13.30 12.27 234,203 2011 ----------------------------------------------------------------------------------------------------------------------

B-145

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $31.68 $35.61 309,316 2020 26.29 31.68 339,365 2019 26.57 26.29 350,446 2018 22.82 26.57 378,801 2017 22.19 22.82 417,620 2016 22.43 22.19 545,428 2015 21.03 22.43 700,582 2014 17.81 21.03 704,922 2013 15.94 17.81 644,239 2012 15.96 15.94 708,928 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $53.44 $73.23 49,817 2020 39.63 53.44 56,925 2019 39.53 39.63 65,691 2018 30.86 39.53 75,157 2017 30.71 30.86 143,146 2016 27.84 30.71 361,108 2015 26.05 27.84 211,157 2014 20.19 26.05 313,586 2013 16.54 20.19 395,919 2012 18.04 16.54 453,479 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Overseas Portfolio -- Service Shares $31.06 $35.52 6,326 2020 24.87 31.06 6,543 2019 29.75 24.87 7,508 2018 23.07 29.75 8,464 2017 25.10 23.07 11,383 2016 27.92 25.10 15,075 2015 32.24 27.92 19,389 2014 28.62 32.24 24,030 2013 25.66 28.62 27,620 2012 38.48 25.66 48,063 2011 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $36.80 $42.69 42,768 2020 29.93 36.80 43,005 2019 33.22 29.93 51,536 2018 29.06 33.22 77,510 2017 29.21 29.06 119,099 2016 30.23 29.21 280,299 2015 25.55 30.23 331,241 2014 17.59 25.55 183,570 2013 15.07 17.59 131,800 2012 14.97 15.07 169,166 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $21.44 $22.71 28,571 2020 16.55 21.44 111,625 2019 17.68 16.55 128,661 2018 15.08 17.68 150,982 2017 13.33 15.08 151,752 2016 14.15 13.33 44,987 2015 12.65 14.15 43,763 2014 10.22 12.65 52,614 2013 9.09 10.22 50,018 2012 8.56 9.09 43,571 2011 ----------------------------------------------------------------------------------------------------------------------

B-146

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.65 $14.16 211,622 2020 10.75 13.65 226,686 2019 11.97 10.75 218,277 2018 10.58 11.97 278,896 2017 9.50 10.58 287,782 2016 9.92 9.50 558,014 2015 10.00 9.92 587,785 2014 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $35.59 $39.85 19,045 2020 27.52 35.59 22,027 2019 29.62 27.52 27,244 2018 24.43 29.62 26,216 2017 22.88 24.43 27,413 2016 23.23 22.88 30,162 2015 21.29 23.23 33,946 2014 16.40 21.29 50,520 2013 14.00 16.40 67,661 2012 14.56 14.00 95,375 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) New Discovery Series -- Service Class Shares $45.92 $65.88 116,505 2020 32.98 45.92 124,412 2019 34.05 32.98 55,219 2018 27.35 34.05 71,000 2017 25.51 27.35 78,658 2016 26.45 25.51 90,379 2015 29.02 26.45 98,841 2014 20.85 29.02 124,671 2013 17.50 20.85 147,093 2012 19.84 17.50 255,072 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $23.41 $25.26 112,863 2020 19.77 23.41 117,968 2019 21.32 19.77 143,502 2018 19.31 21.32 157,255 2017 18.00 19.31 155,685 2016 18.38 18.00 163,459 2015 17.23 18.38 159,346 2014 14.72 17.23 223,893 2013 13.47 14.72 285,339 2012 13.45 13.47 358,781 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $51.37 $53.47 34,397 2020 41.77 51.37 47,675 2019 42.04 41.77 60,375 2018 37.26 42.04 71,083 2017 33.99 37.26 88,749 2016 40.46 33.99 105,715 2015 36.50 40.46 127,185 2014 30.81 36.50 160,154 2013 27.62 30.81 202,668 2012 26.31 27.62 250,559 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $17.47 $21.03 87,380 2020 Service Class Shares 12.70 17.47 100,384 2019 12.81 12.70 111,088 2018 10.15 12.81 155,653 2017 9.73 10.15 169,523 2016 10.00 9.73 174,581 2015 -------------------------------------------------------------------------------------------------------------------

B-147

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $16.01 $17.03 26,370 2020 14.54 16.01 43,497 2019 15.61 14.54 95,772 2018 13.97 15.61 112,878 2017 12.55 13.97 172,847 2016 14.03 12.55 215,046 2015 14.17 14.03 265,955 2014 14.36 14.17 347,259 2013 12.69 14.36 469,134 2012 12.64 12.69 481,393 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $23.11 $24.09 185,550 2020 20.44 23.11 233,333 2019 21.31 20.44 231,012 2018 20.28 21.31 269,615 2017 18.30 20.28 334,308 2016 18.88 18.30 531,572 2015 18.54 18.88 878,514 2014 17.79 18.54 1,001,875 2013 15.80 17.79 1,242,132 2012 15.51 15.80 1,312,732 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $21.49 $24.86 194,867 2020 19.24 21.49 131,231 2019 20.00 19.24 134,709 2018 18.63 20.00 137,408 2017 18.78 18.63 194,886 2016 19.32 18.78 138,866 2015 15.81 19.32 187,459 2014 18.43 15.81 238,736 2013 17.91 18.43 377,761 2012 14.21 17.91 420,107 2011 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $12.53 $12.71 629,201 2020 12.22 12.53 379,187 2019 12.36 12.22 409,945 2018 12.37 12.36 387,441 2017 12.38 12.37 506,470 2016 12.52 12.38 780,579 2015 12.60 12.52 1,544,994 2014 12.80 12.60 1,911,611 2013 12.27 12.80 2,465,982 2012 12.32 12.27 2,491,080 2011 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $16.96 $18.16 1,006,270 2020 15.88 16.96 1,085,564 2019 16.21 15.88 1,188,989 2018 15.67 16.21 1,425,864 2017 15.49 15.67 1,771,201 2016 15.65 15.49 2,172,675 2015 15.23 15.65 2,265,141 2014 15.76 15.23 2,898,741 2013 14.59 15.76 5,175,792 2012 14.29 14.59 4,458,084 2011 ----------------------------------------------------------------------------------------------------------------------------

B-148

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Rydex Variable Trust -------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $55.70 $79.57 25,273 2020 41.30 55.70 28,034 2019 42.68 41.30 31,877 2018 33.03 42.68 43,385 2017 31.62 33.03 51,075 2016 29.64 31.62 158,669 2015 25.61 29.64 63,400 2014 19.30 25.61 55,156 2013 16.78 19.30 67,829 2012 16.66 16.78 68,659 2011 -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $13.45 $14.19 175,837 2020 12.57 13.45 214,478 2019 12.94 12.57 240,101 2018 12.71 12.94 265,289 2017 12.53 12.71 335,322 2016 12.77 12.53 393,057 2015 12.32 12.77 451,466 2014 12.67 12.32 497,021 2013 12.17 12.67 563,447 2012 11.52 12.17 681,024 2011 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $39.73 $52.32 83,228 2020 29.36 39.73 109,517 2019 30.61 29.36 122,542 2018 24.20 30.61 158,692 2017 23.96 24.20 186,236 2016 23.54 23.96 205,989 2015 20.94 23.54 226,090 2014 15.75 20.94 286,243 2013 13.22 15.75 336,841 2012 13.36 13.22 480,182 2011 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $45.81 $42.78 88,466 2020 36.85 45.81 109,641 2019 39.66 36.85 120,873 2018 38.02 39.66 140,728 2017 35.72 38.02 248,723 2016 34.66 35.72 262,181 2015 26.67 34.66 323,038 2014 26.37 26.67 420,761 2013 22.91 26.37 392,756 2012 21.16 22.91 428,927 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $36.78 $42.75 563,594 2020 28.48 36.78 638,264 2019 30.34 28.48 739,198 2018 25.34 30.34 885,976 2017 23.03 25.34 914,632 2016 23.12 23.03 812,397 2015 20.71 23.12 852,941 2014 15.93 20.71 1,026,421 2013 13.97 15.93 1,012,788 2012 13.94 13.97 1,065,244 2011 --------------------------------------------------------------------------------------------------------------

B-149

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $39.54 $44.63 113,342 2020 31.81 39.54 124,967 2019 35.75 31.81 138,254 2018 32.18 35.75 166,432 2017 26.38 32.18 171,408 2016 27.92 26.38 208,442 2015 27.31 27.92 235,904 2014 20.24 27.31 296,598 2013 17.93 20.24 356,097 2012 17.64 17.93 426,144 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 1 Shares $21.08 $22.11 1,189,256 2020 18.47 21.08 1,369,450 2019 20.01 18.47 1,707,581 2018 17.57 20.01 1,905,217 2017 16.76 17.57 2,372,911 2016 17.20 16.76 2,666,295 2015 16.57 17.20 3,013,487 2014 14.63 16.57 3,358,848 2013 13.19 14.63 4,013,319 2012 13.78 13.19 4,868,017 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $15.57 $16.28 823,048 2020 13.67 15.57 950,553 2019 14.85 13.67 1,094,871 2018 13.07 14.85 1,312,863 2017 12.51 13.07 1,481,973 2016 12.86 12.51 1,928,679 2015 12.42 12.86 2,298,296 2014 11.00 12.42 2,674,406 2013 9.94 11.00 3,181,098 2012 10.41 9.94 4,000,343 2011 ----------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $33.22 $40.15 49,180 2020 25.58 33.22 60,108 2019 26.87 25.58 68,631 2018 22.74 26.87 86,417 2017 21.11 22.74 117,866 2016 21.92 21.11 216,421 2015 19.73 21.92 239,578 2014 14.95 19.73 172,824 2013 13.10 14.95 193,088 2012 13.69 13.10 228,575 2011 ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $42.95 $55.20 43,286 2020 33.94 42.95 48,185 2019 36.54 33.94 54,523 2018 28.57 36.54 59,530 2017 28.64 28.57 67,850 2016 27.45 28.64 79,951 2015 26.11 27.45 95,989 2014 20.48 26.11 138,379 2013 18.79 20.48 173,426 2012 19.96 18.79 193,337 2011 -----------------------------------------------------------------------------------------------------------

B-150

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $45.65 $69.98 80,282 2020 34.87 45.65 74,475 2019 35.81 34.87 79,312 2018 26.69 35.81 92,497 2017 27.44 26.69 99,696 2016 25.07 27.44 169,360 2015 23.22 25.07 45,715 2014 17.18 23.22 48,924 2013 15.07 17.18 49,688 2012 15.30 15.07 45,148 2011 -------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $12.55 $13.83 136,596 2020 11.55 12.55 236,102 2019 14.37 11.55 250,353 2018 14.66 14.37 235,304 2017 11.92 14.66 208,962 2016 17.00 11.92 202,168 2015 21.50 17.00 240,785 2014 19.88 21.50 302,214 2013 20.78 19.88 350,238 2012 26.14 20.78 401,411 2011 -------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $34.41 $48.56 33,903 2020 25.48 34.41 148,456 2019 25.79 25.48 158,263 2018 19.44 25.79 190,217 2017 19.62 19.44 63,874 2016 19.65 19.62 75,068 2015 19.19 19.65 98,547 2014 13.92 19.19 87,843 2013 11.74 13.92 82,270 2012 12.61 11.74 101,016 2011 --------------------------------------------------------------------------------------------------------

B-151 Payment Optimizer Plus (for Joint Annuitant contracts) Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $13.99 $14.96 1,181 2020 12.09 13.99 1,333 2019 13.20 12.09 1,488 2018 11.66 13.20 1,623 2017 11.40 11.66 4,741 2016 11.50 11.40 4,956 2015 10.96 11.50 7,300 2014 9.63 10.96 6,400 2013 8.68 9.63 6,949 2012 9.14 8.68 4,633 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $16.04 $21.84 0 2020 12.63 16.04 0 2019 14.33 12.63 0 2018 10.74 14.33 0 2017 11.06 10.74 0 2016 11.01 11.06 0 2015 10.73 11.01 0 2014 8.92 10.73 0 2013 8.04 8.92 0 2012 10.73 8.04 0 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $20.09 $20.15 0 2020 16.60 20.09 0 2019 18.01 16.60 0 2018 15.51 18.01 0 2017 14.26 15.51 0 2016 14.37 14.26 0 2015 13.43 14.37 0 2014 10.19 13.43 0 2013 8.88 10.19 0 2012 8.55 8.88 0 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $ 7.07 $ 7.07 20,310 2020 6.18 7.07 32,389 2019 8.20 6.18 35,075 2018 6.69 8.20 33,973 2017 6.89 6.69 119,671 2016 6.88 6.89 87,916 2015 7.51 6.88 76,717 2014 6.25 7.51 61,010 2013 5.59 6.25 120,359 2012 7.09 5.59 103,611 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $27.74 $36.70 0 2020 21.09 27.74 0 2019 21.05 21.09 0 2018 16.33 21.05 0 2017 16.30 16.33 0 2016 15.02 16.30 0 2015 13.47 15.02 0 2014 10.05 13.47 0 2013 8.79 10.05 0 2012 9.33 8.79 0 2011 ----------------------------------------------------------------------------------------------------------

B-152

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $27.27 $41.03 3,529 2020 20.48 27.27 0 2019 21.16 20.48 0 2018 16.16 21.16 0 2017 15.54 16.16 0 2016 16.12 15.54 0 2015 16.81 16.12 16,706 2014 11.81 16.81 0 2013 10.52 11.81 0 2012 10.31 10.52 0 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $20.45 $27.28 0 2020 15.38 20.45 0 2019 16.71 15.38 0 2018 13.49 16.71 0 2017 14.12 13.49 0 2016 13.97 14.12 0 2015 12.39 13.97 0 2014 9.78 12.39 0 2013 8.78 9.78 0 2012 9.09 8.78 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $11.41 $12.80 26,237 2020 9.94 11.41 31,250 2019 10.75 9.94 35,686 2018 10.08 10.75 41,555 2017 9.81 10.08 48,065 2016 9.96 9.81 52,836 2015 9.42 9.96 107,873 2014 8.53 9.42 76,385 2013 7.77 8.53 79,841 2012 7.91 7.77 82,079 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $20.08 $27.57 0 2020 Series II Shares 14.75 20.08 0 2019 16.09 14.75 0 2018 12.79 16.09 0 2017 12.80 12.79 0 2016 12.29 12.80 0 2015 11.90 12.29 0 2014 8.96 11.90 0 2013 7.88 8.96 0 2012 7.98 7.88 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $18.87 $23.52 30,603 2020 14.66 18.87 8,076 2019 17.29 14.66 9,884 2018 12.96 17.29 21,367 2017 13.25 12.96 26,324 2016 13.06 13.25 36,606 2015 13.07 13.06 40,621 2014 10.51 13.07 35,069 2013 8.88 10.51 42,190 2012 9.91 8.88 49,228 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-153

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $21.00 $23.38 0 2020 16.29 21.00 47,260 2019 18.10 16.29 57,138 2018 15.85 18.10 50,703 2017 14.55 15.85 72,061 2016 14.41 14.55 49,911 2015 13.33 14.41 55,886 2014 10.36 13.33 68,681 2013 9.08 10.36 85,083 2012 9.30 9.08 194,287 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- $19.88 $23.29 6,174 2020 Series II Shares 16.10 19.88 7,678 2019 18.39 16.10 8,806 2018 16.49 18.39 14,975 2017 14.31 16.49 20,865 2016 15.57 14.31 33,621 2015 14.24 15.57 35,199 2014 10.34 14.24 64,389 2013 8.98 10.34 86,341 2012 9.39 8.98 97,721 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $22.36 $31.16 0 2020 16.70 22.36 0 2019 17.70 16.70 0 2018 14.20 17.70 0 2017 14.18 14.20 0 2016 13.79 14.18 0 2015 12.99 13.79 0 2014 9.47 12.99 0 2013 10.00 9.47 0 2012 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $24.36 $33.86 0 2020 18.24 24.36 0 2019 19.39 18.24 0 2018 15.59 19.39 0 2017 15.61 15.59 0 2016 15.22 15.61 0 2015 14.37 15.22 0 2014 10.50 14.37 0 2013 9.46 10.50 0 2012 10.32 9.46 0 2011 -------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $18.78 $18.18 0 2020 15.35 18.78 0 2019 17.90 15.35 0 2018 15.55 17.90 0 2017 13.57 15.55 43,896 2016 14.78 13.57 0 2015 13.84 14.78 0 2014 10.42 13.84 0 2013 8.95 10.42 0 2012 9.34 8.95 0 2011 --------------------------------------------------------------------------------------------------------------------------

B-154

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $18.95 $21.12 0 2020 15.01 18.95 52,408 2019 16.92 15.01 61,983 2018 15.27 16.92 54,628 2017 14.15 15.27 66,967 2016 15.33 14.15 0 2015 14.48 15.33 0 2014 11.45 14.48 0 2013 10.27 11.45 0 2012 10.49 10.27 0 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $16.16 $17.35 11,656 2020 13.76 16.16 13,017 2019 15.57 13.76 14,234 2018 14.35 15.57 18,784 2017 12.77 14.35 22,344 2016 13.39 12.77 24,162 2015 12.57 13.39 26,458 2014 10.28 12.57 47,780 2013 9.35 10.28 52,394 2012 9.67 9.35 39,006 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $14.17 $15.78 0 2020 11.29 14.17 21,577 2019 13.60 11.29 25,984 2018 11.32 13.60 27,274 2017 11.64 11.32 20,372 2016 12.21 11.64 51,917 2015 12.46 12.21 32,890 2014 10.72 12.46 36,795 2013 9.50 10.72 41,318 2012 10.43 9.50 30,715 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $12.92 $13.32 0 2020 10.14 12.92 0 2019 12.85 10.14 0 2018 11.19 12.85 0 2017 9.70 11.19 0 2016 11.08 9.70 0 2015 10.64 11.08 0 2014 8.16 10.64 0 2013 7.08 8.16 0 2012 7.49 7.08 0 2011 -------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. -------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.18 $13.06 10,865 2020 11.42 12.18 30,863 2019 12.01 11.42 32,437 2018 11.83 12.01 30,749 2017 11.58 11.83 38,709 2016 12.12 11.58 10,486 2015 11.99 12.12 55,456 2014 13.38 11.99 61,901 2013 12.73 13.38 54,280 2012 11.63 12.73 57,185 2011 --------------------------------------------------------------------------------------------------------------------

B-155

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $19.02 $22.28 0 2020 15.10 19.02 0 2019 16.52 15.10 0 2018 14.83 16.52 0 2017 12.27 14.83 0 2016 13.45 12.27 0 2015 13.07 13.45 0 2014 9.40 13.07 0 2013 8.47 9.40 0 2012 8.89 8.47 0 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $17.99 $18.16 0 2020 14.88 17.99 12,768 2019 16.54 14.88 14,454 2018 15.64 16.54 16,714 2017 13.57 15.64 36,300 2016 14.77 13.57 0 2015 13.76 14.77 0 2014 10.21 13.76 0 2013 9.16 10.21 0 2012 9.63 9.16 0 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $15.51 $18.32 178,224 2020 13.45 15.51 210,276 2019 14.87 13.45 235,552 2018 13.35 14.87 271,202 2017 13.14 13.35 296,354 2016 13.56 13.14 323,495 2015 13.59 13.56 374,441 2014 12.13 13.59 422,553 2013 11.27 12.13 467,104 2012 11.94 11.27 517,045 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $24.63 $34.59 0 2020 19.01 24.63 0 2019 18.90 19.01 0 2018 14.94 18.90 0 2017 14.19 14.94 0 2016 14.14 14.19 0 2015 12.67 14.14 0 2014 9.69 12.67 0 2013 8.62 9.69 0 2012 8.60 8.62 0 2011 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.70 $21.57 46,240 2020 12.95 16.70 13,723 2019 13.55 12.95 16,703 2018 10.40 13.55 33,848 2017 10.00 10.40 0 2016 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.01 $12.80 0 2020 9.80 12.01 0 2019 12.04 9.80 0 2018 9.67 12.04 0 2017 10.00 9.67 0 2016 -----------------------------------------------------------------------------------------------------------------------------

B-156

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $12.40 $12.38 11,426 2020 11.83 12.40 24,360 2019 12.09 11.83 30,933 2018 11.94 12.09 15,187 2017 11.19 11.94 19,161 2016 11.55 11.19 21,696 2015 11.73 11.55 46,623 2014 11.54 11.73 50,885 2013 10.98 11.54 38,016 2012 10.94 10.98 0 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $18.29 $18.88 0 2020 16.37 18.29 0 2019 17.32 16.37 0 2018 16.60 17.32 0 2017 14.80 16.60 0 2016 15.54 14.80 0 2015 15.50 15.54 0 2014 14.83 15.50 0 2013 13.26 14.83 0 2012 12.90 13.26 0 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $25.10 $31.57 4,459 2020 19.20 25.10 0 2019 18.94 19.20 0 2018 15.11 18.94 0 2017 14.93 15.11 0 2016 14.36 14.93 0 2015 13.41 14.36 0 2014 9.80 13.41 0 2013 8.56 9.80 0 2012 10.11 8.56 51,091 2011 --------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $19.69 $23.54 37,360 2020 16.20 19.69 46,391 2019 17.32 16.20 55,186 2018 15.24 17.32 67,253 2017 14.55 15.24 81,236 2016 14.81 14.55 91,114 2015 13.75 14.81 102,613 2014 11.77 13.75 121,816 2013 10.47 11.77 135,959 2012 11.12 10.47 154,795 2011 --------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $22.02 $28.08 0 2020 17.14 22.02 10,407 2019 18.75 17.14 12,656 2018 15.75 18.75 24,546 2017 14.93 15.75 21,690 2016 15.19 14.93 97,151 2015 13.90 15.19 106,525 2014 10.84 13.90 142,448 2013 9.53 10.84 175,986 2012 10.02 9.53 0 2011 ---------------------------------------------------------------------------------------------------------------------

B-157

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $22.14 $28.90 0 2020 17.42 22.14 0 2019 18.77 17.42 0 2018 15.52 18.77 0 2017 15.44 15.52 0 2016 15.61 15.44 0 2015 14.41 15.61 0 2014 10.65 14.41 0 2013 8.90 10.65 0 2012 9.35 8.90 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $17.38 $18.11 55,504 2020 13.97 17.38 13,174 2019 15.60 13.97 15,476 2018 14.14 15.60 17,744 2017 12.27 14.14 0 2016 13.09 12.27 49,466 2015 12.33 13.09 51,497 2014 9.85 12.33 73,928 2013 8.60 9.85 89,291 2012 8.72 8.60 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $20.66 $21.76 0 2020 16.27 20.66 0 2019 18.31 16.27 0 2018 16.03 18.31 0 2017 14.14 16.03 0 2016 14.82 14.14 0 2015 13.73 14.82 0 2014 10.53 13.73 0 2013 9.09 10.53 0 2012 9.16 9.09 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $31.56 $51.98 13,880 2020 22.95 31.56 0 2019 20.89 22.95 0 2018 15.90 20.89 0 2017 16.23 15.90 0 2016 15.74 16.23 37,316 2015 14.36 15.74 17,162 2014 10.66 14.36 21,224 2013 10.00 10.66 27,534 2012 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $27.00 $37.94 0 2020 20.58 27.00 0 2019 21.12 20.58 0 2018 16.00 21.12 0 2017 16.25 16.00 0 2016 15.53 16.25 0 2015 14.29 15.53 0 2014 10.73 14.29 0 2013 9.58 10.73 0 2012 9.79 9.58 0 2011 -----------------------------------------------------------------------------------------------------------------------

B-158

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $12.79 $13.67 51,795 2020 11.94 12.79 58,709 2019 12.30 11.94 62,430 2018 12.08 12.30 104,633 2017 11.81 12.08 132,751 2016 12.16 11.81 123,333 2015 11.76 12.16 77,842 2014 12.27 11.76 101,072 2013 11.87 12.27 106,912 2012 11.33 11.87 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $19.06 $21.99 0 2020 15.81 19.06 20,028 2019 18.95 15.81 22,509 2018 16.06 18.95 24,429 2017 14.65 16.06 35,385 2016 15.21 14.65 32,798 2015 14.66 15.21 62,088 2014 11.02 14.66 62,614 2013 9.82 11.02 80,473 2012 11.26 9.82 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $18.28 $19.33 0 2020 13.92 18.28 0 2019 17.24 13.92 0 2018 14.79 17.24 0 2017 13.82 14.79 0 2016 14.58 13.82 0 2015 13.98 14.58 0 2014 10.97 13.98 0 2013 8.82 10.97 0 2012 9.90 8.82 0 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.14 $14.38 104,181 2020 11.20 13.14 117,799 2019 12.66 11.20 139,481 2018 11.55 12.66 154,456 2017 10.42 11.55 187,876 2016 11.35 10.42 210,770 2015 11.28 11.35 233,008 2014 9.31 11.28 259,443 2013 8.24 9.31 289,851 2012 8.55 8.24 321,619 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $16.61 $16.37 240,113 2020 14.62 16.61 263,010 2019 15.60 14.62 296,192 2018 14.53 15.60 329,724 2017 13.02 14.53 371,958 2016 14.31 13.02 413,962 2015 13.97 14.31 452,715 2014 12.52 13.97 562,885 2013 11.35 12.52 609,061 2012 11.33 11.35 660,335 2011 ----------------------------------------------------------------------------------------------------------------

B-159

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $15.57 $14.48 0 2020 12.98 15.57 0 2019 14.58 12.98 0 2018 13.74 14.58 0 2017 12.09 13.74 0 2016 13.00 12.09 0 2015 12.39 13.00 0 2014 9.87 12.39 0 2013 8.82 9.87 0 2012 9.11 8.82 50,136 2011 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $11.84 $12.26 0 2020 10.50 11.84 0 2019 12.60 10.50 0 2018 10.86 12.60 0 2017 10.12 10.86 0 2016 11.05 10.12 0 2015 11.62 11.05 0 2014 9.07 11.62 0 2013 7.65 9.07 0 2012 8.40 7.65 0 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 8.88 $ 8.72 0 2020 8.88 8.88 0 2019 8.97 8.88 0 2018 9.11 8.97 964 2017 9.30 9.11 0 2016 9.50 9.30 88,811 2015 9.71 9.50 68,241 2014 9.91 9.71 0 2013 10.00 9.91 0 2012 ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $22.72 $25.36 37,820 2020 18.98 22.72 42,483 2019 19.31 18.98 48,035 2018 16.69 19.31 60,105 2017 16.34 16.69 69,578 2016 16.62 16.34 78,072 2015 15.69 16.62 86,046 2014 13.38 15.69 114,008 2013 12.05 13.38 121,949 2012 12.15 12.05 128,814 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $31.62 $43.04 0 2020 23.60 31.62 0 2019 23.70 23.60 0 2018 18.62 23.70 0 2017 18.66 18.62 18,277 2016 17.03 18.66 19,480 2015 16.04 17.03 23,805 2014 12.51 16.04 28,577 2013 10.32 12.51 35,292 2012 11.33 10.32 28,211 2011 ----------------------------------------------------------------------------------------------------------------------

B-160

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $21.89 $25.23 0 2020 17.92 21.89 0 2019 20.03 17.92 0 2018 17.64 20.03 0 2017 17.85 17.64 0 2016 18.59 17.85 0 2015 15.81 18.59 0 2014 10.96 15.81 0 2013 9.45 10.96 0 2012 9.45 9.45 0 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $19.71 $20.75 0 2020 15.32 19.71 0 2019 16.48 15.32 0 2018 14.14 16.48 0 2017 12.58 14.14 0 2016 13.45 12.58 0 2015 12.11 13.45 0 2014 9.84 12.11 0 2013 8.81 9.84 0 2012 8.35 8.81 0 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.20 $13.60 0 2020 10.46 13.20 0 2019 11.73 10.46 0 2018 10.43 11.73 0 2017 9.43 10.43 0 2016 9.92 9.43 0 2015 10.00 9.92 0 2014 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $23.17 $25.77 0 2020 18.03 23.17 0 2019 19.54 18.03 0 2018 16.22 19.54 0 2017 15.30 16.22 0 2016 15.63 15.30 0 2015 14.42 15.63 0 2014 11.18 14.42 0 2013 9.61 11.18 0 2012 10.06 9.61 0 2011 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $16.74 $17.95 18,207 2020 14.23 16.74 20,723 2019 15.45 14.23 22,931 2018 14.09 15.45 25,305 2017 13.22 14.09 29,623 2016 13.58 13.22 31,746 2015 12.82 13.58 34,772 2014 11.03 12.82 44,644 2013 10.15 11.03 47,909 2012 10.21 10.15 52,314 2011 ----------------------------------------------------------------------------------------------------------------------

B-161

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $24.57 $25.41 0 2020 20.11 24.57 0 2019 20.38 20.11 0 2018 18.18 20.38 0 2017 16.70 18.18 0 2016 20.01 16.70 0 2015 18.17 20.01 0 2014 15.44 18.17 0 2013 13.93 15.44 0 2012 13.36 13.93 0 2011 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $16.92 $20.25 0 2020 Service Class Shares 12.38 16.92 0 2019 12.58 12.38 0 2018 10.03 12.58 0 2017 9.68 10.03 0 2016 10.00 9.68 0 2015 ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $14.18 $14.98 0 2020 12.96 14.18 0 2019 14.00 12.96 0 2018 12.62 14.00 0 2017 11.41 12.62 0 2016 12.84 11.41 0 2015 13.05 12.84 0 2014 13.32 13.05 0 2013 11.85 13.32 0 2012 11.87 11.85 0 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $17.20 $17.80 7,971 2020 15.31 17.20 17,589 2019 16.07 15.31 14,369 2018 15.39 16.07 11,424 2017 13.98 15.39 14,927 2016 14.52 13.98 43,530 2015 14.35 14.52 27,826 2014 13.87 14.35 20,824 2013 12.39 13.87 21,127 2012 12.25 12.39 35,550 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $19.04 $21.89 19,376 2020 17.17 19.04 15,536 2019 17.96 17.17 13,186 2018 16.84 17.96 10,265 2017 17.09 16.84 13,642 2016 17.70 17.09 0 2015 14.58 17.70 0 2014 17.11 14.58 0 2013 16.73 17.11 0 2012 13.37 16.73 0 2011 ----------------------------------------------------------------------------------------------------------------------------

B-162

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.46 $11.55 61,054 2020 11.25 11.46 19,685 2019 11.45 11.25 19,803 2018 11.54 11.45 16,028 2017 11.62 11.54 19,817 2016 11.84 11.62 52,283 2015 11.99 11.84 147,557 2014 12.26 11.99 148,967 2013 11.83 12.26 142,873 2012 11.95 11.83 147,855 2011 --------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $14.89 $15.84 35,706 2020 14.04 14.89 50,376 2019 14.42 14.04 58,412 2018 14.04 14.42 89,323 2017 13.96 14.04 114,334 2016 14.20 13.96 130,341 2015 13.91 14.20 76,118 2014 14.49 13.91 96,165 2013 13.51 14.49 90,710 2012 13.32 13.51 108,474 2011 --------------------------------------------------------------------------------------------------------------- Rydex Variable Trust --------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $36.52 $51.82 0 2020 27.25 36.52 0 2019 28.35 27.25 0 2018 22.09 28.35 0 2017 21.29 22.09 0 2016 20.09 21.29 0 2015 17.47 20.09 0 2014 13.26 17.47 0 2013 11.60 13.26 0 2012 11.59 11.60 0 2011 --------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. --------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.07 $12.65 0 2020 11.35 12.07 0 2019 11.76 11.35 0 2018 11.64 11.76 0 2017 11.54 11.64 0 2016 11.84 11.54 0 2015 11.50 11.84 0 2014 11.91 11.50 0 2013 11.51 11.91 0 2012 10.97 11.51 0 2011 --------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $27.76 $36.31 0 2020 20.65 27.76 0 2019 21.67 20.65 0 2018 17.25 21.67 0 2017 17.19 17.25 0 2016 17.00 17.19 0 2015 15.22 17.00 0 2014 11.53 15.22 0 2013 9.74 11.53 0 2012 9.90 9.74 0 2011 ---------------------------------------------------------------------------------------------------------------

B-163

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $21.74 $20.17 7,088 2020 17.60 21.74 6,974 2019 19.07 17.60 8,050 2018 18.40 19.07 9,660 2017 17.40 18.40 12,700 2016 17.00 17.40 14,184 2015 13.17 17.00 16,023 2014 13.11 13.17 33,993 2013 11.46 13.11 11,343 2012 10.66 11.46 13,079 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $23.61 $27.26 0 2020 18.41 23.61 0 2019 19.74 18.41 0 2018 16.59 19.74 0 2017 15.18 16.59 0 2016 15.34 15.18 0 2015 13.83 15.34 0 2014 10.71 13.83 0 2013 9.45 10.71 0 2012 9.49 9.45 0 2011 -------------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $20.52 $23.01 0 2020 16.62 20.52 0 2019 18.80 16.62 0 2018 17.04 18.80 0 2017 14.06 17.04 0 2016 14.98 14.06 0 2015 14.75 14.98 0 2014 11.00 14.75 0 2013 9.81 11.00 0 2012 9.72 9.81 0 2011 -------------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $14.22 $14.78 414,505 2020 12.57 14.22 468,901 2019 13.75 12.57 530,170 2018 12.18 13.75 575,534 2017 11.73 12.18 668,285 2016 12.15 11.73 723,744 2015 11.81 12.15 805,263 2014 10.52 11.81 973,839 2013 9.57 10.52 1,055,448 2012 10.09 9.57 1,152,972 2011 -------------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $22.75 $27.31 0 2020 17.63 22.75 0 2019 18.65 17.63 0 2018 15.88 18.65 0 2017 14.84 15.88 0 2016 15.52 14.84 0 2015 14.06 15.52 0 2014 10.72 14.06 0 2013 9.46 10.72 0 2012 9.95 9.46 0 2011 --------------------------------------------------------------------------------------------------------------

B-164

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $22.15 $28.28 0 2020 17.62 22.15 0 2019 19.09 17.62 0 2018 15.03 19.09 0 2017 15.16 15.03 0 2016 14.63 15.16 0 2015 14.01 14.63 0 2014 11.06 14.01 0 2013 10.21 11.06 0 2012 10.92 10.21 0 2011 ----------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $28.59 $43.55 0 2020 21.99 28.59 0 2019 22.73 21.99 0 2018 17.05 22.73 0 2017 17.65 17.05 0 2016 16.23 17.65 0 2015 15.13 16.23 0 2014 11.27 15.13 0 2013 9.95 11.27 0 2012 10.17 9.95 0 2011 ----------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 6.18 $ 6.76 21,378 2020 5.72 6.18 49,979 2019 7.16 5.72 50,460 2018 7.36 7.16 39,759 2017 6.02 7.36 30,506 2016 8.64 6.02 19,621 2015 11.01 8.64 15,650 2014 10.24 11.01 13,766 2013 10.78 10.24 14,461 2012 13.65 10.78 0 2011 ----------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust ----------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $32.33 $45.31 0 2020 24.09 32.33 0 2019 24.55 24.09 0 2018 18.63 24.55 0 2017 18.93 18.63 0 2016 19.08 18.93 0 2015 18.76 19.08 0 2014 13.70 18.76 0 2013 11.62 13.70 0 2012 12.57 11.62 0 2011 -----------------------------------------------------------------------------------------------------------

B-165 Payment Optimizer Plus (for Single Annuitant contracts) Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $14.26 $15.27 38,101 2020 12.30 14.26 40,892 2019 13.41 12.30 42,375 2018 11.82 13.41 52,291 2017 11.55 11.82 61,007 2016 11.63 11.55 66,056 2015 11.07 11.63 72,426 2014 9.71 11.07 82,329 2013 8.74 9.71 91,879 2012 9.19 8.74 105,558 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $16.38 $22.34 0 2020 12.87 16.38 0 2019 14.59 12.87 0 2018 10.91 14.59 0 2017 11.23 10.91 0 2016 11.16 11.23 0 2015 10.86 11.16 0 2014 9.01 10.86 0 2013 8.11 9.01 0 2012 10.80 8.11 0 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $20.51 $20.61 0 2020 16.93 20.51 0 2019 18.34 16.93 0 2018 15.77 18.34 0 2017 14.48 15.77 0 2016 14.56 14.48 0 2015 13.59 14.56 0 2014 10.29 13.59 0 2013 8.96 10.29 0 2012 8.61 8.96 0 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $ 7.22 $ 7.23 55,211 2020 6.30 7.22 91,048 2019 8.35 6.30 110,263 2018 6.80 8.35 109,016 2017 7.00 6.80 330,313 2016 6.97 7.00 257,911 2015 7.60 6.97 236,169 2014 6.31 7.60 185,760 2013 5.64 6.31 391,388 2012 7.14 5.64 335,601 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $28.33 $37.54 0 2020 21.50 28.33 0 2019 21.43 21.50 0 2018 16.60 21.43 0 2017 16.54 16.60 0 2016 15.22 16.54 0 2015 13.63 15.22 0 2014 10.15 13.63 0 2013 8.87 10.15 0 2012 9.40 8.87 0 2011 ----------------------------------------------------------------------------------------------------------

B-166

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $27.85 $41.96 9,612 2020 20.89 27.85 0 2019 21.54 20.89 0 2018 16.42 21.54 0 2017 15.77 16.42 0 2016 16.33 15.77 0 2015 17.01 16.33 51,877 2014 11.94 17.01 0 2013 10.61 11.94 0 2012 10.39 10.61 0 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $20.89 $27.90 0 2020 15.68 20.89 0 2019 17.01 15.68 0 2018 13.71 17.01 0 2017 14.33 13.71 0 2016 14.15 14.33 0 2015 12.54 14.15 0 2014 9.88 12.54 0 2013 8.85 9.88 0 2012 9.16 8.85 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $11.65 $13.09 21,269 2020 10.14 11.65 25,835 2019 10.94 10.14 30,845 2018 10.24 10.94 34,511 2017 9.95 10.24 41,604 2016 10.09 9.95 45,130 2015 9.53 10.09 55,315 2014 8.62 9.53 61,707 2013 7.84 8.62 73,992 2012 7.96 7.84 84,164 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $20.50 $28.19 0 2020 Series II Shares 15.04 20.50 0 2019 16.37 15.04 0 2018 13.00 16.37 0 2017 12.99 13.00 0 2016 12.46 12.99 0 2015 12.04 12.46 0 2014 9.05 12.04 0 2013 7.95 9.05 0 2012 8.04 7.95 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $19.26 $24.05 83,283 2020 14.95 19.26 22,723 2019 17.60 14.95 31,072 2018 13.17 17.60 68,498 2017 13.45 13.17 72,785 2016 13.23 13.45 107,436 2015 13.22 13.23 124,985 2014 10.62 13.22 106,770 2013 8.96 10.62 137,341 2012 9.99 8.96 159,617 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-167

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period -------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $21.45 $23.91 0 16.60 21.45 132,859 18.43 16.60 179,660 16.11 18.43 162,419 14.77 16.11 199,207 14.61 14.77 146,479 13.49 14.61 171,698 10.47 13.49 209,143 9.16 10.47 277,112 9.37 9.16 630,635 -------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- Series II Shares $20.30 $23.82 16,784 16.42 20.30 21,611 18.72 16.42 27,711 16.76 18.72 48,032 14.52 16.76 57,583 15.77 14.52 98,590 14.41 15.77 107,401 10.45 14.41 195,924 9.06 10.45 280,961 9.46 9.06 316,891 -------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $22.66 $31.63 0 16.90 22.66 0 17.88 16.90 0 14.32 17.88 0 14.28 14.32 0 13.87 14.28 0 13.05 13.87 0 9.50 13.05 0 10.00 9.50 0 -------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $24.87 $34.63 0 18.60 24.87 0 19.73 18.60 0 15.84 19.73 0 15.84 15.84 0 15.42 15.84 0 14.54 15.42 0 10.61 14.54 0 9.54 10.61 0 10.39 9.54 0 -------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $19.18 $18.60 0 15.65 19.18 0 18.22 15.65 0 15.80 18.22 0 13.78 15.80 121,133 14.98 13.78 0 14.00 14.98 0 10.53 14.00 0 9.03 10.53 0 9.41 9.03 0 --------------------------------------------------------------------------------------------------------------------------------

Subaccounts Year ----------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 ----------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- Series II Shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 ----------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 ----------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 ----------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 -----------------------------------------------------------------------------------

B-168

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $19.35 $21.60 0 2020 15.30 19.35 147,332 2019 17.23 15.30 194,917 2018 15.52 17.23 175,074 2017 14.36 15.52 184,942 2016 15.54 14.36 0 2015 14.65 15.54 0 2014 11.56 14.65 0 2013 10.36 11.56 0 2012 10.57 10.36 0 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $16.48 $17.72 53,155 2020 14.00 16.48 56,613 2019 15.82 14.00 60,896 2018 14.57 15.82 61,633 2017 12.94 14.57 73,535 2016 13.54 12.94 78,098 2015 12.70 13.54 90,010 2014 10.37 12.70 100,226 2013 9.41 10.37 107,016 2012 9.73 9.41 107,565 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $14.47 $16.14 0 2020 11.51 14.47 60,631 2019 13.84 11.51 81,662 2018 11.50 13.84 87,548 2017 11.81 11.50 56,348 2016 12.37 11.81 152,297 2015 12.61 12.37 101,054 2014 10.83 12.61 112,072 2013 9.58 10.83 134,525 2012 10.51 9.58 99,620 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $13.19 $13.63 0 2020 10.34 13.19 0 2019 13.08 10.34 0 2018 11.38 13.08 0 2017 9.84 11.38 0 2016 11.23 9.84 0 2015 10.77 11.23 0 2014 8.24 10.77 0 2013 7.14 8.24 0 2012 7.54 7.14 0 2011 -------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. -------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.44 $13.36 29,520 2020 11.65 12.44 86,712 2019 12.22 11.65 101,932 2018 12.02 12.22 98,535 2017 11.75 12.02 107,464 2016 12.28 11.75 30,948 2015 12.13 12.28 169,848 2014 13.52 12.13 188,178 2013 12.84 13.52 177,058 2012 11.72 12.84 185,553 2011 --------------------------------------------------------------------------------------------------------------------

B-169

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $19.42 $22.78 0 2020 15.39 19.42 0 2019 16.82 15.39 0 2018 15.07 16.82 0 2017 12.45 15.07 0 2016 13.63 12.45 0 2015 13.23 13.63 0 2014 9.49 13.23 0 2013 8.55 9.49 0 2012 8.95 8.55 0 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $18.37 $18.58 0 2020 15.17 18.37 35,893 2019 16.84 15.17 45,461 2018 15.90 16.84 53,583 2017 13.77 15.90 100,049 2016 14.97 13.77 0 2015 13.92 14.97 0 2014 10.32 13.92 0 2013 9.24 10.32 0 2012 9.70 9.24 0 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $15.83 $18.74 481,518 2020 13.71 15.83 604,646 2019 15.13 13.71 713,405 2018 13.57 15.13 808,639 2017 13.34 13.57 952,344 2016 13.74 13.34 1,064,031 2015 13.75 13.74 1,216,741 2014 12.25 13.75 1,366,279 2013 11.36 12.25 1,554,345 2012 12.03 11.36 1,729,226 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $25.15 $35.37 0 2020 19.39 25.15 0 2019 19.24 19.39 0 2018 15.18 19.24 0 2017 14.40 15.18 0 2016 14.32 14.40 0 2015 12.82 14.32 0 2014 9.79 12.82 0 2013 8.69 9.79 0 2012 8.67 8.69 0 2011 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.79 $21.72 127,742 2020 13.00 16.79 39,171 2019 13.59 13.00 53,293 2018 10.41 13.59 110,153 2017 10.00 10.41 0 2016 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.08 $12.89 0 2020 9.84 12.08 0 2019 12.07 9.84 0 2018 9.68 12.07 0 2017 10.00 9.68 84 2016 -----------------------------------------------------------------------------------------------------------------------------

B-170

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $12.66 $12.66 31,047 2020 12.06 12.66 68,449 2019 12.31 12.06 97,206 2018 12.14 12.31 48,667 2017 11.36 12.14 53,108 2016 11.70 11.36 63,502 2015 11.87 11.70 142,756 2014 11.66 11.87 154,585 2013 11.08 11.66 123,886 2012 11.02 11.08 74 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $18.68 $19.31 0 2020 16.69 18.68 0 2019 17.63 16.69 0 2018 16.87 17.63 0 2017 15.02 16.87 0 2016 15.75 15.02 0 2015 15.68 15.75 0 2014 14.99 15.68 0 2013 13.37 14.99 0 2012 13.00 13.37 0 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $25.63 $32.28 12,129 2020 19.57 25.63 0 2019 19.28 19.57 0 2018 15.36 19.28 0 2017 15.15 15.36 52 2016 14.55 15.15 55 2015 13.56 14.55 62 2014 9.90 13.56 68 2013 8.63 9.90 88 2012 10.18 8.63 165,612 2011 --------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $20.11 $24.08 34,559 2020 16.52 20.11 49,520 2019 17.63 16.52 58,182 2018 15.49 17.63 71,747 2017 14.76 15.49 82,201 2016 15.00 14.76 91,765 2015 13.91 15.00 124,062 2014 11.89 13.91 122,599 2013 10.56 11.89 158,043 2012 11.20 10.56 202,220 2011 --------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $22.49 $28.72 0 2020 17.47 22.49 29,269 2019 19.09 17.47 39,800 2018 16.01 19.09 78,685 2017 15.16 16.01 60,140 2016 15.39 15.16 284,932 2015 14.06 15.39 326,924 2014 10.95 14.06 433,645 2013 9.62 10.95 573,033 2012 10.09 9.62 0 2011 ---------------------------------------------------------------------------------------------------------------------

B-171

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $22.61 $29.56 0 2020 17.76 22.61 0 2019 19.10 17.76 0 2018 15.78 19.10 0 2017 15.67 15.78 0 2016 15.82 15.67 0 2015 14.58 15.82 0 2014 10.76 14.58 0 2013 8.97 10.76 0 2012 9.41 8.97 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $17.75 $18.52 150,912 2020 14.24 17.75 37,038 2019 15.88 14.24 48,696 2018 14.38 15.88 56,867 2017 12.46 14.38 139 2016 13.27 12.46 145,268 2015 12.47 13.27 157,884 2014 9.95 12.47 224,964 2013 8.67 9.95 290,658 2012 8.78 8.67 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $21.09 $22.25 0 2020 16.59 21.09 0 2019 18.63 16.59 0 2018 16.30 18.63 0 2017 14.35 16.30 0 2016 15.02 14.35 0 2015 13.90 15.02 0 2014 10.64 13.90 0 2013 9.17 10.64 0 2012 9.23 9.17 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $31.95 $52.70 38,137 2020 23.19 31.95 0 2019 21.08 23.19 0 2018 16.02 21.08 0 2017 16.33 16.02 150 2016 15.81 16.33 110,478 2015 14.40 15.81 53,074 2014 10.68 14.40 65,158 2013 10.00 10.68 90,384 2012 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $27.57 $38.80 0 2020 20.99 27.57 0 2019 21.50 20.99 0 2018 16.26 21.50 0 2017 16.49 16.26 0 2016 15.74 16.49 0 2015 14.46 15.74 0 2014 10.84 14.46 0 2013 9.67 10.84 0 2012 9.86 9.67 0 2011 -----------------------------------------------------------------------------------------------------------------------

B-172

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $13.04 $13.96 140,965 2020 12.16 13.04 165,229 2019 12.50 12.16 196,420 2018 12.26 12.50 335,755 2017 11.96 12.26 368,258 2016 12.31 11.96 361,339 2015 11.88 12.31 238,199 2014 12.38 11.88 307,437 2013 11.95 12.38 349,008 2012 11.39 11.95 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $19.46 $22.49 0 2020 16.12 19.46 56,315 2019 19.29 16.12 70,816 2018 16.32 19.29 78,368 2017 14.87 16.32 97,570 2016 15.42 14.87 96,078 2015 14.83 15.42 191,000 2014 11.13 14.83 190,591 2013 9.91 11.13 261,796 2012 11.34 9.91 0 2011 ---------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $18.66 $19.77 0 2020 14.19 18.66 0 2019 17.55 14.19 0 2018 15.03 17.55 0 2017 14.03 15.03 0 2016 14.78 14.03 0 2015 14.15 14.78 0 2014 11.08 14.15 0 2013 8.90 11.08 0 2012 9.98 8.90 0 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.39 $14.68 315,627 2020 11.40 13.39 353,230 2019 12.87 11.40 411,093 2018 11.72 12.87 451,508 2017 10.56 11.72 513,991 2016 11.48 10.56 577,597 2015 11.39 11.48 620,036 2014 9.38 11.39 680,394 2013 8.30 9.38 773,079 2012 8.59 8.30 897,830 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $16.96 $16.74 512,011 2020 14.90 16.96 579,238 2019 15.89 14.90 683,021 2018 14.77 15.89 832,111 2017 13.21 14.77 933,832 2016 14.50 13.21 1,079,525 2015 14.13 14.50 1,233,759 2014 12.65 14.13 1,405,186 2013 11.45 12.65 1,616,553 2012 11.41 11.45 1,924,540 2011 ----------------------------------------------------------------------------------------------------------------

B-173

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $15.90 $14.80 0 2020 13.23 15.90 0 2019 14.84 13.23 0 2018 13.97 14.84 0 2017 12.27 13.97 144 2016 13.17 12.27 171 2015 12.54 13.17 173 2014 9.97 12.54 184 2013 8.90 9.97 215 2012 9.17 8.90 162,820 2011 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $12.09 $12.54 0 2020 10.71 12.09 0 2019 12.82 10.71 0 2018 11.04 12.82 0 2017 10.27 11.04 0 2016 11.20 10.27 0 2015 11.75 11.20 0 2014 9.16 11.75 0 2013 7.72 9.16 0 2012 8.46 7.72 0 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 8.98 $ 8.83 25,684 2020 9.00 8.98 2,696 2019 9.04 9.00 31,216 2018 9.17 9.04 3,779 2017 9.35 9.17 53,171 2016 9.54 9.35 22,230 2015 9.73 9.54 1,892 2014 9.92 9.73 7,113 2013 10.00 9.92 7,086 2012 ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $23.20 $25.94 57,568 2020 19.35 23.20 71,031 2019 19.65 19.35 80,134 2018 16.97 19.65 94,520 2017 16.59 16.97 107,875 2016 16.85 16.59 130,626 2015 15.87 16.85 154,759 2014 13.51 15.87 172,920 2013 12.16 13.51 191,327 2012 12.23 12.16 217,007 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $32.29 $44.02 0 2020 24.06 32.29 0 2019 24.13 24.06 0 2018 18.93 24.13 0 2017 18.94 18.93 50,637 2016 17.26 18.94 57,163 2015 16.22 17.26 73,153 2014 12.64 16.22 87,129 2013 10.41 12.64 115,060 2012 11.41 10.41 91,643 2011 ----------------------------------------------------------------------------------------------------------------------

B-174

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $22.35 $25.80 0 2020 18.28 22.35 0 2019 20.39 18.28 0 2018 17.93 20.39 0 2017 18.11 17.93 0 2016 18.84 18.11 0 2015 16.00 18.84 0 2014 11.07 16.00 0 2013 9.53 11.07 0 2012 9.52 9.53 0 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $20.10 $21.18 2,617 2020 15.60 20.10 3,355 2019 16.75 15.60 3,995 2018 14.35 16.75 4,472 2017 12.75 14.35 5,234 2016 13.61 12.75 6,676 2015 12.23 13.61 7,885 2014 9.92 12.23 9,026 2013 8.87 9.92 12,963 2012 8.40 8.87 14,574 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.31 $13.73 0 2020 10.53 13.31 0 2019 11.79 10.53 0 2018 10.47 11.79 0 2017 9.45 10.47 0 2016 9.92 9.45 0 2015 10.00 9.92 0 2014 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $23.66 $26.36 0 2020 18.39 23.66 0 2019 19.89 18.39 0 2018 16.49 19.89 0 2017 15.52 16.49 0 2016 15.84 15.52 0 2015 14.59 15.84 0 2014 11.30 14.59 0 2013 9.70 11.30 0 2012 10.13 9.70 0 2011 ---------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $17.09 $18.35 48,455 2020 14.51 17.09 62,485 2019 15.73 14.51 79,573 2018 14.32 15.73 87,499 2017 13.42 14.32 95,519 2016 13.76 13.42 103,991 2015 12.97 13.76 116,326 2014 11.14 12.97 134,047 2013 10.24 11.14 157,911 2012 10.28 10.24 173,755 2011 ----------------------------------------------------------------------------------------------------------------------

B-175

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $25.09 $25.99 0 2020 20.51 25.09 0 2019 20.75 20.51 0 2018 18.48 20.75 0 2017 16.94 18.48 0 2016 20.27 16.94 0 2015 18.39 20.27 0 2014 15.60 18.39 0 2013 14.05 15.60 0 2012 13.46 14.05 0 2011 ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ---------------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $17.05 $20.43 0 2020 Service Class Shares 12.46 17.05 0 2019 12.63 12.46 0 2018 10.06 12.63 0 2017 9.69 10.06 0 2016 10.00 9.69 0 2015 ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $14.48 $15.32 0 2020 13.21 14.48 0 2019 14.26 13.21 0 2018 12.82 14.26 0 2017 11.58 12.82 0 2016 13.01 11.58 0 2015 13.21 13.01 0 2014 13.45 13.21 0 2013 11.95 13.45 0 2012 11.96 11.95 0 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $17.56 $18.21 21,659 2020 15.61 17.56 49,417 2019 16.36 15.61 45,104 2018 15.65 16.36 36,609 2017 14.19 15.65 41,328 2016 14.72 14.19 127,433 2015 14.52 14.72 85,705 2014 14.01 14.52 63,300 2013 12.50 14.01 68,840 2012 12.34 12.50 115,273 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $19.45 $22.38 52,633 2020 17.50 19.45 43,609 2019 18.29 17.50 41,429 2018 17.12 18.29 32,888 2017 17.34 17.12 37,848 2016 17.93 17.34 47 2015 14.75 17.93 50 2014 17.28 14.75 62 2013 16.88 17.28 50 2012 13.46 16.88 49 2011 ----------------------------------------------------------------------------------------------------------------------------

B-176

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.70 $11.81 165,892 2020 11.47 11.70 55,307 2019 11.66 11.47 62,218 2018 11.73 11.66 51,355 2017 11.80 11.73 55,418 2016 12.00 11.80 153,524 2015 12.13 12.00 452,504 2014 12.39 12.13 452,775 2013 11.94 12.39 465,941 2012 12.04 11.94 479,356 2011 --------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $15.21 $16.20 97,584 2020 14.31 15.21 142,340 2019 14.68 14.31 184,658 2018 14.27 14.68 287,598 2017 14.17 14.27 318,501 2016 14.39 14.17 383,479 2015 14.07 14.39 235,033 2014 14.64 14.07 294,842 2013 13.62 14.64 299,311 2012 13.41 13.62 355,981 2011 --------------------------------------------------------------------------------------------------------------- Rydex Variable Trust --------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $37.29 $53.00 0 2020 27.79 37.29 0 2019 28.86 27.79 0 2018 22.45 28.86 0 2017 21.60 22.45 0 2016 20.36 21.60 0 2015 17.68 20.36 0 2014 13.39 17.68 0 2013 11.70 13.39 0 2012 11.68 11.70 0 2011 --------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. --------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.32 $12.93 0 2020 11.57 12.32 0 2019 11.97 11.57 0 2018 11.83 11.97 0 2017 11.71 11.83 0 2016 12.00 11.71 0 2015 11.64 12.00 0 2014 12.03 11.64 0 2013 11.61 12.03 0 2012 11.05 11.61 0 2011 --------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $28.35 $37.14 0 2020 21.05 28.35 0 2019 22.06 21.05 0 2018 17.53 22.06 0 2017 17.45 17.53 0 2016 17.23 17.45 0 2015 15.40 17.23 0 2014 11.65 15.40 0 2013 9.83 11.65 0 2012 9.98 9.83 0 2011 ---------------------------------------------------------------------------------------------------------------

B-177

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $22.20 $20.62 19,272 2020 17.94 22.20 19,626 2019 19.41 17.94 25,306 2018 18.71 19.41 30,943 2017 17.66 18.71 35,000 2016 17.23 17.66 41,670 2015 13.32 17.23 48,829 2014 13.24 13.32 103,262 2013 11.56 13.24 36,927 2012 10.74 11.56 42,462 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $24.11 $27.88 0 2020 18.77 24.11 0 2019 20.09 18.77 0 2018 16.86 20.09 0 2017 15.41 16.86 0 2016 15.55 15.41 0 2015 14.00 15.55 0 2014 10.82 14.00 0 2013 9.54 10.82 0 2012 9.56 9.54 0 2011 -------------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $20.96 $23.54 0 2020 16.95 20.96 0 2019 19.14 16.95 0 2018 17.32 19.14 0 2017 14.27 17.32 0 2016 15.18 14.27 0 2015 14.92 15.18 0 2014 11.12 14.92 0 2013 9.90 11.12 0 2012 9.79 9.90 0 2011 -------------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $14.52 $15.11 1,042,935 2020 12.82 14.52 1,222,563 2019 14.00 12.82 1,431,667 2018 12.38 14.00 1,689,425 2017 11.91 12.38 2,079,638 2016 12.31 11.91 2,350,100 2015 11.95 12.31 2,705,927 2014 10.63 11.95 3,068,377 2013 9.66 10.63 3,461,685 2012 10.16 9.66 4,044,326 2011 -------------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $23.23 $27.93 0 2020 17.98 23.23 0 2019 18.98 17.98 0 2018 16.15 18.98 0 2017 15.06 16.15 0 2016 15.72 15.06 0 2015 14.22 15.72 0 2014 10.83 14.22 0 2013 9.54 10.83 0 2012 10.02 9.54 0 2011 --------------------------------------------------------------------------------------------------------------

B-178

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $22.62 $28.92 0 2020 17.96 22.62 0 2019 19.44 17.96 0 2018 15.28 19.44 0 2017 15.39 15.28 0 2016 14.83 15.39 0 2015 14.17 14.83 0 2014 11.17 14.17 0 2013 10.30 11.17 0 2012 11.00 10.30 0 2011 ----------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $29.20 $44.54 0 2020 22.42 29.20 0 2019 23.14 22.42 0 2018 17.33 23.14 0 2017 17.91 17.33 0 2016 16.45 17.91 0 2015 15.31 16.45 0 2014 11.39 15.31 0 2013 10.04 11.39 0 2012 10.25 10.04 0 2011 ----------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $ 6.31 $ 6.91 58,112 2020 5.83 6.31 140,269 2019 7.29 5.83 158,520 2018 7.48 7.29 127,801 2017 6.11 7.48 83,919 2016 8.76 6.11 57,451 2015 11.14 8.76 48,444 2014 10.35 11.14 41,893 2013 10.87 10.35 47,029 2012 13.75 10.87 38 2011 ----------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust ----------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $32.80 $46.04 0 2020 24.41 32.80 0 2019 24.83 24.41 0 2018 18.81 24.83 0 2017 19.08 18.81 0 2016 19.21 19.08 0 2015 18.86 19.21 0 2014 13.75 18.86 0 2013 11.65 13.75 0 2012 12.58 11.65 0 2011 -----------------------------------------------------------------------------------------------------------

B-179 Principal Protection Advantage Elected

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------- AB Variable Products Series Fund, Inc. ---------------------------------------------------------------------------------------------------------- AB Balanced Wealth Strategy Portfolio -- Class B $14.44 $15.48 0 2020 12.44 14.44 0 2019 13.55 12.44 0 2018 11.94 13.55 684 2017 11.65 11.94 726 2016 11.71 11.65 716 2015 11.14 11.71 741 2014 9.76 11.14 754 2013 8.77 9.76 759 2012 9.22 8.77 1,030 2011 ---------------------------------------------------------------------------------------------------------- AB Global Thematic Growth Portfolio -- Class B $19.41 $26.49 0 2020 15.23 19.41 0 2019 17.25 15.23 0 2018 12.89 17.25 0 2017 13.25 12.89 0 2016 13.15 13.25 0 2015 12.78 13.15 0 2014 10.60 12.78 0 2013 9.53 10.60 0 2012 12.68 9.53 7 2011 ---------------------------------------------------------------------------------------------------------- AB Growth and Income Portfolio -- Class B $24.01 $24.15 3,863 2020 19.79 24.01 3,568 2019 21.42 19.79 3,771 2018 18.40 21.42 4,500 2017 16.88 18.40 4,760 2016 16.95 16.88 5,144 2015 15.81 16.95 5,290 2014 11.96 15.81 6,556 2013 10.40 11.96 8,439 2012 9.99 10.40 14,831 2011 ---------------------------------------------------------------------------------------------------------- AB International Value Portfolio -- Class B $10.46 $10.49 14,383 2020 9.12 10.46 16,421 2019 12.07 9.12 18,677 2018 9.83 12.07 18,973 2017 10.10 9.83 45,514 2016 10.05 10.10 41,657 2015 10.94 10.05 46,125 2014 9.08 10.94 47,756 2013 8.10 9.08 72,981 2012 10.25 8.10 79,350 2011 ---------------------------------------------------------------------------------------------------------- AB Large Cap Growth Portfolio -- Class B $34.87 $46.25 97 2020 26.44 34.87 118 2019 26.33 26.44 130 2018 20.37 26.33 144 2017 20.28 20.37 170 2016 18.64 20.28 164 2015 16.68 18.64 587 2014 12.40 16.68 713 2013 10.83 12.40 820 2012 11.46 10.83 899 2011 ----------------------------------------------------------------------------------------------------------

B-180

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------------------- AB Small Cap Growth Portfolio -- Class B $28.24 $42.59 1,184 2020 21.16 28.24 0 2019 21.80 21.16 0 2018 16.60 21.80 0 2017 15.92 16.60 0 2016 16.48 15.92 0 2015 17.14 16.48 7,450 2014 12.02 17.14 0 2013 10.67 12.02 0 2012 10.43 10.67 5 2011 --------------------------------------------------------------------------------------------------------------------------------- AIM Variable Insurance Funds (Invesco Variable Insurance Funds) --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Capital Appreciation Fund -- Series II Shares $24.17 $32.32 0 2020 18.13 24.17 0 2019 19.64 18.13 0 2018 15.82 19.64 0 2017 16.52 15.82 0 2016 16.30 16.52 0 2015 14.42 16.30 0 2014 11.35 14.42 0 2013 10.16 11.35 0 2012 10.50 10.16 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Conservative Balanced Fund -- Series II Shares $13.24 $14.89 76,777 2020 11.51 13.24 81,567 2019 12.42 11.51 99,295 2018 11.61 12.42 109,190 2017 11.27 11.61 113,620 2016 11.42 11.27 133,062 2015 10.77 11.42 134,571 2014 9.72 10.77 186,353 2013 8.84 9.72 210,432 2012 8.97 8.84 258,707 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund -- $26.98 $37.14 0 2020 Series II Shares 19.77 26.98 0 2019 21.50 19.77 0 2018 17.06 21.50 0 2017 17.02 17.06 0 2016 16.31 17.02 0 2015 15.75 16.31 0 2014 11.83 15.75 0 2013 10.37 11.83 0 2012 10.48 10.37 0 2011 --------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Global Fund -- Series II Shares $27.57 $34.45 7,432 2020 21.37 27.57 1,940 2019 25.14 21.37 2,742 2018 18.79 25.14 6,518 2017 19.17 18.79 7,798 2016 18.84 19.17 12,552 2015 18.81 18.84 13,120 2014 15.09 18.81 13,117 2013 12.71 15.09 16,472 2012 14.16 12.71 22,457 2011 ---------------------------------------------------------------------------------------------------------------------------------

B-181

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period -------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares $25.65 $28.63 889 19.84 25.65 13,376 22.00 19.84 18,843 19.21 22.00 19,660 17.59 19.21 26,221 17.38 17.59 22,024 16.04 17.38 23,126 12.43 16.04 32,953 10.86 12.43 43,478 11.10 10.86 106,151 -------------------------------------------------------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- Series II Shares $29.54 $34.68 4,308 23.86 29.54 4,550 27.18 23.86 5,802 24.30 27.18 6,922 21.04 24.30 8,620 22.83 21.04 14,802 20.83 22.83 14,938 15.09 20.83 28,227 13.07 15.09 39,317 13.64 13.07 53,271 -------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares $22.86 $31.94 0 17.03 22.86 0 18.01 17.03 0 14.41 18.01 0 14.35 14.41 0 13.92 14.35 0 13.08 13.92 0 9.51 13.08 0 10.00 9.51 0 -------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares $30.20 $42.09 0 22.55 30.20 0 23.91 22.55 0 19.18 23.91 0 19.15 19.18 0 18.63 19.15 0 17.55 18.63 0 12.79 17.55 0 11.49 12.79 0 12.51 11.49 0 -------------------------------------------------------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares $23.44 $22.76 4,780 19.12 23.44 4,501 22.23 19.12 5,056 19.26 22.23 5,000 16.77 19.26 20,978 18.22 16.77 8,258 17.01 18.22 11,092 12.78 17.01 17,074 10.95 12.78 21,115 11.39 10.95 32,449 --------------------------------------------------------------------------------------------------------------------------------

Subaccounts Year ----------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Fund(R) -- Series II Shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 ----------------------------------------------------------------------------------- Invesco Oppenheimer V.I. Main Street Small Cap Fund(R) -- Series II Shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 ----------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series I shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 ----------------------------------------------------------------------------------- Invesco V.I. American Franchise Fund -- Series II shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 ----------------------------------------------------------------------------------- Invesco V.I. Comstock Fund -- Series II shares 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 -----------------------------------------------------------------------------------

B-182

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Core Equity Fund -- Series I shares $19.62 $21.93 0 2020 15.50 19.62 16,350 2019 17.43 15.50 22,911 2018 15.69 17.43 22,485 2017 14.50 15.69 26,866 2016 15.68 14.50 598 2015 14.77 15.68 574 2014 11.64 14.77 646 2013 10.42 11.64 707 2012 10.62 10.42 1,596 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Equity and Income Fund -- Series II shares $16.69 $17.97 0 2020 14.17 16.69 0 2019 16.00 14.17 0 2018 14.71 16.00 373 2017 13.05 14.71 5,439 2016 13.65 13.05 5,681 2015 12.79 13.65 5,642 2014 10.43 12.79 9,478 2013 9.46 10.43 3,980 2012 9.76 9.46 5,291 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. International Growth Fund -- Series II shares $20.54 $22.92 2,228 2020 16.32 20.54 7,028 2019 19.61 16.32 9,148 2018 16.28 19.61 10,380 2017 16.70 16.28 9,008 2016 17.47 16.70 20,563 2015 17.78 17.47 14,646 2014 15.26 17.78 18,968 2013 13.49 15.26 23,092 2012 14.78 13.49 25,126 2011 -------------------------------------------------------------------------------------------------------------------- Invesco V.I. Value Opportunities Fund -- Series II shares $15.58 $16.11 4,181 2020 12.20 15.58 3,846 2019 15.42 12.20 4,004 2018 13.40 15.42 4,640 2017 11.57 13.40 5,358 2016 13.20 11.57 7,778 2015 12.64 13.20 10,926 2014 9.66 12.64 11,924 2013 8.37 9.66 13,659 2012 8.83 8.37 25,039 2011 -------------------------------------------------------------------------------------------------------------------- American Century Variable Portfolios II, Inc. -------------------------------------------------------------------------------------------------------------------- VP Inflation Protection Fund -- Class II $12.29 $13.22 4,736 2020 11.50 12.29 11,005 2019 12.06 11.50 12,918 2018 11.85 12.06 14,649 2017 11.56 11.85 17,445 2016 12.08 11.56 6,616 2015 11.92 12.08 26,555 2014 13.27 11.92 34,467 2013 12.59 13.27 31,610 2012 11.47 12.59 41,044 2011 --------------------------------------------------------------------------------------------------------------------

B-183

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------------- BlackRock Variable Series Funds, Inc. ----------------------------------------------------------------------------------------------------------------------------- BlackRock Advantage U.S. Total Market V.I. Fund -- Class III Shares $26.29 $30.87 332 2020 20.82 26.29 454 2019 22.73 20.82 592 2018 20.34 22.73 840 2017 16.79 20.34 1,314 2016 18.35 16.79 1,890 2015 17.80 18.35 1,917 2014 12.76 17.80 3,186 2013 11.48 12.76 3,996 2012 12.01 11.48 6,546 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Basic Value V.I. Fund -- Class III Shares $21.82 $22.09 10 2020 18.00 21.82 3,408 2019 19.96 18.00 4,559 2018 18.83 19.96 5,887 2017 16.29 18.83 12,260 2016 17.69 16.29 497 2015 16.44 17.69 689 2014 12.17 16.44 1,143 2013 10.89 12.17 1,708 2012 11.42 10.89 5,308 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Global Allocation V.I. Fund -- Class III Shares $19.35 $22.92 72,579 2020 16.74 19.35 77,031 2019 18.46 16.74 80,384 2018 16.54 18.46 85,551 2017 16.23 16.54 92,189 2016 16.70 16.23 352,389 2015 16.69 16.70 351,406 2014 14.87 16.69 357,607 2013 13.77 14.87 372,034 2012 14.56 13.77 133,489 2011 ----------------------------------------------------------------------------------------------------------------------------- BlackRock Large Cap Focus Growth V.I. Fund -- Class III Shares $31.19 $43.90 0 2020 24.01 31.19 0 2019 23.81 24.01 0 2018 18.77 23.81 0 2017 17.78 18.77 0 2016 17.67 17.78 0 2015 15.80 17.67 0 2014 12.05 15.80 0 2013 10.69 12.05 0 2012 10.65 10.69 0 2011 ----------------------------------------------------------------------------------------------------------------------------- Columbia Funds Variable Series Trust II ----------------------------------------------------------------------------------------------------------------------------- CTIVP/SM/ -- Loomis Sayles Growth Fund -- Class 1 $16.86 $21.83 20,344 2020 13.04 16.86 9,898 2019 13.61 13.04 12,479 2018 10.42 13.61 21,872 2017 10.00 10.42 10,540 2016 ----------------------------------------------------------------------------------------------------------------------------- Columbia Variable Portfolio -- Overseas Core Fund -- Class 2 $12.12 $12.95 11,428 2020 9.87 12.12 10,925 2019 12.09 9.87 11,686 2018 9.68 12.09 13,563 2017 10.00 9.68 15,910 2016 -----------------------------------------------------------------------------------------------------------------------------

B-184

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year --------------------------------------------------------------------------------------------------------------------- Eaton Vance Variable Trust --------------------------------------------------------------------------------------------------------------------- VT Floating -- Rate Income Fund $13.33 $13.35 3,871 2020 12.69 13.33 7,564 2019 12.94 12.69 10,880 2018 12.74 12.94 6,371 2017 11.92 12.74 7,677 2016 12.26 11.92 10,095 2015 12.42 12.26 20,032 2014 12.19 12.42 25,815 2013 11.57 12.19 19,917 2012 11.49 11.57 1,482 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Insurance Series --------------------------------------------------------------------------------------------------------------------- Federated Hermes High Income Bond Fund II -- Service Shares $20.81 $21.54 988 2020 18.58 20.81 915 2019 19.60 18.58 915 2018 18.74 19.60 1,492 2017 16.67 18.74 1,460 2016 17.46 16.67 1,694 2015 17.37 17.46 2,355 2014 16.58 17.37 2,552 2013 14.78 16.58 2,870 2012 14.35 14.78 4,183 2011 --------------------------------------------------------------------------------------------------------------------- Federated Hermes Kaufmann Fund II -- Service Shares $34.37 $43.34 1,705 2020 26.23 34.37 594 2019 25.80 26.23 1,101 2018 20.54 25.80 287 2017 20.24 20.54 317 2016 19.42 20.24 328 2015 18.08 19.42 357 2014 13.19 18.08 701 2013 11.49 13.19 1,460 2012 13.53 11.49 24,774 2011 --------------------------------------------------------------------------------------------------------------------- Fidelity(R) Variable Insurance Products Fund --------------------------------------------------------------------------------------------------------------------- VIP Asset Manager/SM/ Portfolio -- Service Class 2 $18.04 $20.28 24,781 2020 15.57 18.04 26,385 2019 16.81 15.57 30,463 2018 15.06 16.81 33,667 2017 14.92 15.06 38,969 2016 15.21 14.92 47,152 2015 14.68 15.21 53,207 2014 12.97 14.68 68,471 2013 11.77 12.97 92,270 2012 12.34 11.77 146,043 2011 --------------------------------------------------------------------------------------------------------------------- VIP Balanced Portfolio -- Service Class 2 $20.39 $24.44 14,150 2020 16.74 20.39 14,959 2019 17.85 16.74 15,851 2018 15.66 17.85 15,705 2017 14.91 15.66 17,731 2016 15.14 14.91 15,301 2015 14.02 15.14 19,779 2014 11.97 14.02 25,713 2013 10.63 11.97 67,073 2012 11.26 10.63 68,207 2011 ---------------------------------------------------------------------------------------------------------------------

B-185

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------------------- VIP Contrafund(R) Portfolio -- Service Class 2 $30.97 $39.59 928 2020 24.04 30.97 3,393 2019 26.23 24.04 4,511 2018 21.98 26.23 9,765 2017 20.79 21.98 8,818 2016 21.09 20.79 36,150 2015 19.25 21.09 37,126 2014 14.97 19.25 57,242 2013 13.14 14.97 73,342 2012 13.77 13.14 2,234 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Dynamic Capital Appreciation Portfolio -- Service Class 2 $31.71 $41.50 0 2020 24.89 31.71 0 2019 26.74 24.89 0 2018 22.06 26.74 0 2017 21.89 22.06 0 2016 22.08 21.89 0 2015 20.33 22.08 0 2014 14.98 20.33 0 2013 12.48 14.98 0 2012 13.08 12.48 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Equity-Income Portfolio -- Service Class 2 $21.89 $22.87 18,055 2020 17.55 21.89 5,908 2019 19.55 17.55 7,473 2018 17.68 19.55 8,971 2017 15.30 17.68 3,077 2016 16.28 15.30 23,209 2015 15.29 16.28 33,234 2014 12.19 15.29 47,618 2013 10.61 12.19 58,918 2012 10.74 10.61 22,553 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth & Income Portfolio -- Service Class 2 $24.96 $26.36 0 2020 19.61 24.96 0 2019 22.00 19.61 0 2018 19.22 22.00 0 2017 16.91 19.22 0 2016 17.68 16.91 0 2015 16.34 17.68 0 2014 12.49 16.34 0 2013 10.77 12.49 0 2012 10.82 10.77 0 2011 ----------------------------------------------------------------------------------------------------------------------- VIP Growth Opportunities Portfolio -- Service Class 2 $32.20 $53.18 5,587 2020 23.35 32.20 991 2019 21.21 23.35 1,609 2018 16.10 21.21 1,431 2017 16.39 16.10 1,580 2016 15.86 16.39 19,322 2015 14.43 15.86 8,819 2014 10.69 14.43 12,089 2013 10.00 10.69 15,830 2012 -----------------------------------------------------------------------------------------------------------------------

B-186

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------- VIP Growth Portfolio -- Service Class 2 $31.29 $44.09 873 2020 23.80 31.29 1,133 2019 24.35 23.80 1,262 2018 18.40 24.35 1,347 2017 18.65 18.40 1,761 2016 17.77 18.65 2,231 2015 16.31 17.77 6,760 2014 12.22 16.31 7,710 2013 10.88 12.22 9,361 2012 11.09 10.88 10,645 2011 ---------------------------------------------------------------------------------------------------------------- VIP Investment Grade Bond Portfolio -- Service Class 2 $13.21 $14.15 18,471 2020 12.30 13.21 19,761 2019 12.64 12.30 23,466 2018 12.38 12.64 45,511 2017 12.07 12.38 55,330 2016 12.40 12.07 59,932 2015 11.97 12.40 36,189 2014 12.45 11.97 55,420 2013 12.01 12.45 60,927 2012 11.43 12.01 2,199 2011 ---------------------------------------------------------------------------------------------------------------- VIP Mid Cap Portfolio -- Service Class 2 $31.39 $36.31 2,162 2020 25.96 31.39 6,221 2019 31.04 25.96 7,641 2018 26.24 31.04 9,278 2017 23.88 26.24 12,059 2016 24.73 23.88 14,054 2015 23.77 24.73 25,317 2014 17.82 23.77 29,964 2013 15.85 17.82 39,140 2012 18.11 15.85 16,830 2011 ---------------------------------------------------------------------------------------------------------------- VIP Value Strategies Portfolio -- Service Class 2 $23.00 $24.38 0 2020 17.47 23.00 0 2019 21.58 17.47 0 2018 18.46 21.58 0 2017 17.21 18.46 0 2016 18.12 17.21 0 2015 17.33 18.12 0 2014 13.56 17.33 0 2013 10.87 13.56 0 2012 12.18 10.87 0 2011 ---------------------------------------------------------------------------------------------------------------- Franklin Templeton Variable Insurance Products Trust ---------------------------------------------------------------------------------------------------------------- Franklin Allocation VIP Fund -- Class 2 Shares $13.56 $14.88 0 2020 11.53 13.56 0 2019 13.00 11.53 0 2018 11.83 13.00 153 2017 10.65 11.83 253 2016 11.57 10.65 258 2015 11.46 11.57 251 2014 9.43 11.46 239 2013 8.33 9.43 4,984 2012 8.62 8.33 7,340 2011 ----------------------------------------------------------------------------------------------------------------

B-187

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Franklin Income VIP Fund -- Class 2 Shares $18.70 $18.48 58,607 2020 16.41 18.70 63,795 2019 17.48 16.41 74,666 2018 16.24 17.48 88,356 2017 14.51 16.24 98,540 2016 15.90 14.51 124,287 2015 15.49 15.90 132,325 2014 13.85 15.49 170,362 2013 12.52 13.85 288,667 2012 12.46 12.52 401,637 2011 ---------------------------------------------------------------------------------------------------------------------- Franklin Mutual Shares VIP Fund -- Class 2 Shares $18.96 $17.67 275 2020 15.76 18.96 222 2019 17.66 15.76 224 2018 16.60 17.66 461 2017 14.57 16.60 437 2016 15.62 14.57 502 2015 14.86 15.62 489 2014 11.80 14.86 896 2013 10.52 11.80 1,667 2012 10.84 10.52 27,755 2011 ---------------------------------------------------------------------------------------------------------------------- Templeton Growth VIP Fund -- Class 2 Shares $12.26 $12.73 0 2020 10.85 12.26 0 2019 12.98 10.85 0 2018 11.16 12.98 0 2017 10.37 11.16 0 2016 11.30 10.37 0 2015 11.84 11.30 0 2014 9.22 11.84 0 2013 7.76 9.22 0 2012 8.50 7.76 0 2011 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Government Money Market Fund -- Service Shares $ 9.05 $ 8.91 40,269 2020 9.05 9.05 64,274 2019 9.09 9.05 99,649 2018 9.22 9.09 166,355 2017 9.39 9.22 50,182 2016 9.56 9.39 75,522 2015 9.74 9.56 69,902 2014 9.92 9.74 82,332 2013 10.00 9.92 77,778 2012 ---------------------------------------------------------------------------------------------------------------------- Goldman Sachs Mid Cap Value Fund -- Institutional Shares $24.78 $26.37 2,116 2020 19.20 24.78 2,083 2019 21.85 19.20 2,389 2018 20.04 21.85 2,396 2017 17.98 20.04 2,928 2016 20.19 17.98 3,457 2015 18.11 20.19 3,855 2014 13.88 18.11 4,303 2013 11.94 13.88 4,992 2012 12.99 11.94 7,792 2011 ----------------------------------------------------------------------------------------------------------------------

B-188

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------- Janus Aspen Series ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Balanced Portfolio -- Service Shares $27.51 $30.79 32,920 2020 22.92 27.51 33,742 2019 23.26 22.92 45,736 2018 20.06 23.26 99,511 2017 19.59 20.06 114,054 2016 19.87 19.59 126,509 2015 18.71 19.87 105,564 2014 15.91 18.71 114,227 2013 14.30 15.91 151,959 2012 14.37 14.30 178,329 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Forty Portfolio -- Service Shares $42.07 $57.41 125 2020 31.32 42.07 151 2019 31.37 31.32 177 2018 24.59 31.37 286 2017 24.57 24.59 6,000 2016 22.37 24.57 7,452 2015 21.01 22.37 8,546 2014 16.35 21.01 12,437 2013 13.45 16.35 15,884 2012 14.73 13.45 15,772 2011 ---------------------------------------------------------------------------------------------------------------------- Janus Henderson Overseas Portfolio -- Service Shares $20.92 $23.82 0 2020 16.82 20.92 0 2019 20.20 16.82 0 2018 15.73 20.20 0 2017 17.18 15.73 0 2016 19.19 17.18 0 2015 22.25 19.19 0 2014 19.83 22.25 0 2013 17.86 19.83 0 2012 26.89 17.86 0 2011 ---------------------------------------------------------------------------------------------------------------------- Legg Mason Partners Variable Equity Trust ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Aggressive Growth Portfolio -- Class II $27.17 $31.40 178 2020 22.19 27.17 220 2019 24.73 22.19 267 2018 21.72 24.73 1,343 2017 21.92 21.72 1,422 2016 22.78 21.92 1,471 2015 19.33 22.78 1,544 2014 13.36 19.33 4,289 2013 11.49 13.36 5,234 2012 11.46 11.49 8,626 2011 ---------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Dividend Strategy Portfolio -- Class II $20.36 $21.48 14,061 2020 15.79 20.36 15,689 2019 16.93 15.79 16,568 2018 14.49 16.93 16,194 2017 12.86 14.49 16,498 2016 13.72 12.86 18,434 2015 12.31 13.72 19,256 2014 9.98 12.31 21,929 2013 8.92 9.98 23,822 2012 8.43 8.92 35,691 2011 ----------------------------------------------------------------------------------------------------------------------

B-189

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ------------------------------------------------------------------------------------------------------------------- ClearBridge Variable Large Cap Value Portfolio -- Class I $13.37 $13.82 379 2020 10.57 13.37 369 2019 11.82 10.57 388 2018 10.49 11.82 1,907 2017 9.46 10.49 2,589 2016 9.92 9.46 3,772 2015 10.00 9.92 3,858 2014 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust ------------------------------------------------------------------------------------------------------------------- MFS(R) Investors Trust Series -- Service Class Shares $29.13 $32.48 0 2020 22.62 29.13 0 2019 24.44 22.62 0 2018 20.24 24.44 0 2017 19.04 20.24 0 2016 19.40 19.04 0 2015 17.86 19.40 0 2014 13.81 17.86 0 2013 11.84 13.81 0 2012 12.36 11.84 0 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) New Discovery Series -- Service Class Shares $34.39 $49.14 529 2020 24.80 34.39 671 2019 25.71 24.80 789 2018 20.74 25.71 862 2017 19.42 20.74 953 2016 20.22 19.42 1,031 2015 22.27 20.22 2,027 2014 16.07 22.27 1,886 2013 13.54 16.07 2,427 2012 15.41 13.54 3,689 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Total Return Series -- Service Class Shares $18.31 $19.68 32,460 2020 15.53 18.31 43,046 2019 16.81 15.53 45,817 2018 15.29 16.81 51,417 2017 14.32 15.29 61,321 2016 14.67 14.32 80,683 2015 13.81 14.67 106,158 2014 11.85 13.81 128,543 2013 10.88 11.85 140,704 2012 10.91 10.88 211,510 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Utilities Series -- Service Class Shares $38.24 $39.64 80 2020 31.22 38.24 80 2019 31.55 31.22 80 2018 28.08 31.55 230 2017 25.72 28.08 230 2016 30.74 25.72 231 2015 27.84 30.74 231 2014 23.60 27.84 232 2013 21.24 23.60 233 2012 20.32 21.24 233 2011 ------------------------------------------------------------------------------------------------------------------- MFS(R) Variable Insurance Trust II ------------------------------------------------------------------------------------------------------------------- MFS(R) Massachusetts Investors Growth Stock Portfolio -- $17.13 $20.55 608 2020 Service Class Shares 12.50 17.13 503 2019 12.67 12.50 592 2018 10.07 12.67 630 2017 9.70 10.07 719 2016 10.00 9.70 721 2015 -------------------------------------------------------------------------------------------------------------------

B-190

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ---------------------------------------------------------------------------------------------------------------------------- PIMCO Variable Insurance Trust ---------------------------------------------------------------------------------------------------------------------------- All Asset Portfolio -- Advisor Class Shares $15.09 $15.98 0 2020 13.75 15.09 0 2019 14.82 13.75 0 2018 13.32 14.82 0 2017 12.02 13.32 0 2016 13.48 12.02 0 2015 13.68 13.48 0 2014 13.92 13.68 0 2013 12.35 13.92 0 2012 12.35 12.35 0 2011 ---------------------------------------------------------------------------------------------------------------------------- High Yield Portfolio -- Administrative Class Shares $20.04 $20.80 4,941 2020 17.80 20.04 7,407 2019 18.63 17.80 7,099 2018 17.80 18.63 7,015 2017 16.13 17.80 8,511 2016 16.71 16.13 22,357 2015 16.47 16.71 18,070 2014 15.87 16.47 17,840 2013 14.15 15.87 18,155 2012 13.95 14.15 31,673 2011 ---------------------------------------------------------------------------------------------------------------------------- Long-Term U.S. Government Portfolio -- Administrative Class Shares $20.22 $23.30 6,434 2020 18.18 20.22 5,073 2019 18.98 18.18 4,889 2018 17.74 18.98 4,554 2017 17.96 17.74 5,787 2016 18.55 17.96 1,170 2015 15.24 18.55 2,258 2014 17.84 15.24 3,657 2013 17.40 17.84 3,982 2012 13.87 17.40 5,195 2011 ---------------------------------------------------------------------------------------------------------------------------- Low Duration Portfolio -- Administrative Class Shares $11.80 $11.93 40,478 2020 11.56 11.80 25,124 2019 11.74 11.56 24,318 2018 11.80 11.74 26,755 2017 11.85 11.80 29,462 2016 12.04 11.85 48,118 2015 12.16 12.04 95,080 2014 12.41 12.16 113,584 2013 11.94 12.41 110,638 2012 12.04 11.94 147,159 2011 ---------------------------------------------------------------------------------------------------------------------------- Total Return Portfolio -- Administrative Class Shares $15.77 $16.82 25,992 2020 14.83 15.77 29,599 2019 15.19 14.83 33,785 2018 14.76 15.19 54,864 2017 14.64 14.76 63,941 2016 14.85 14.64 80,640 2015 14.51 14.85 70,456 2014 15.08 14.51 93,934 2013 14.02 15.08 89,173 2012 13.79 14.02 117,876 2011 ----------------------------------------------------------------------------------------------------------------------------

B-191

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------------- Rydex Variable Trust -------------------------------------------------------------------------------------------------------------- NASDAQ -- 100(R) Fund $43.08 $61.30 0 2020 32.07 43.08 0 2019 33.28 32.07 0 2018 25.86 33.28 0 2017 24.86 25.86 0 2016 23.40 24.86 0 2015 20.30 23.40 0 2014 15.36 20.30 0 2013 13.40 15.36 0 2012 13.37 13.40 0 2011 -------------------------------------------------------------------------------------------------------------- State Street Variable Insurance Series Funds, Inc. -------------------------------------------------------------------------------------------------------------- Income V.I.S. Fund -- Class 1 Shares $12.66 $13.30 1,801 2020 11.88 12.66 1,695 2019 12.27 11.88 1,766 2018 12.11 12.27 1,976 2017 11.98 12.11 2,163 2016 12.26 11.98 2,421 2015 11.88 12.26 5,261 2014 12.27 11.88 6,290 2013 11.83 12.27 6,507 2012 11.24 11.83 10,931 2011 -------------------------------------------------------------------------------------------------------------- Premier Growth Equity V.I.S. Fund -- Class 1 Shares $31.11 $40.80 0 2020 23.08 31.11 0 2019 24.16 23.08 0 2018 19.18 24.16 0 2017 19.07 19.18 0 2016 18.81 19.07 0 2015 16.80 18.81 0 2014 12.69 16.80 0 2013 10.70 12.69 0 2012 10.85 10.70 0 2011 -------------------------------------------------------------------------------------------------------------- Real Estate Securities V.I.S. Fund -- Class 1 Shares $36.12 $33.60 1,582 2020 29.17 36.12 1,468 2019 31.53 29.17 1,947 2018 30.35 31.53 2,701 2017 28.63 30.35 3,353 2016 27.90 28.63 4,369 2015 21.55 27.90 4,567 2014 21.40 21.55 10,941 2013 18.67 21.40 4,033 2012 17.31 18.67 5,348 2011 -------------------------------------------------------------------------------------------------------------- S&P 500(R) Index V.I.S. Fund -- Class 1 Shares $28.58 $33.08 72 2020 22.22 28.58 75 2019 23.77 22.22 85 2018 19.93 23.77 86 2017 18.19 19.93 91 2016 18.34 18.19 99 2015 16.49 18.34 99 2014 12.73 16.49 660 2013 11.21 12.73 837 2012 11.23 11.21 866 2011 --------------------------------------------------------------------------------------------------------------

B-192

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year ----------------------------------------------------------------------------------------------------------- Small-Cap Equity V.I.S. Fund -- Class 1 Shares $28.28 $31.79 312 2020 22.85 28.28 343 2019 25.78 22.85 379 2018 23.30 25.78 596 2017 19.18 23.30 695 2016 20.38 19.18 1,009 2015 20.01 20.38 3,373 2014 14.90 20.01 3,703 2013 13.25 14.90 4,619 2012 13.09 13.25 6,720 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 1 Shares $17.33 $18.11 714,610 2020 15.25 17.33 807,655 2019 16.59 15.25 901,952 2018 14.62 16.59 1,016,238 2017 14.01 14.62 1,240,637 2016 14.43 14.01 1,431,286 2015 13.96 14.43 1,726,139 2014 12.38 13.96 2,172,431 2013 11.21 12.38 2,706,497 2012 11.75 11.21 4,027,001 2011 ----------------------------------------------------------------------------------------------------------- Total Return V.I.S. Fund -- Class 3 Shares $14.73 $15.34 10,273 2020 12.98 14.73 10,462 2019 14.16 12.98 13,323 2018 12.52 14.16 35,124 2017 12.02 12.52 39,448 2016 12.42 12.02 63,850 2015 12.04 12.42 71,560 2014 10.70 12.04 103,569 2013 9.71 10.70 136,324 2012 10.21 9.71 199,427 2011 ----------------------------------------------------------------------------------------------------------- U.S. Equity V.I.S. Fund -- Class 1 Shares $26.67 $32.10 0 2020 20.62 26.67 0 2019 21.75 20.62 0 2018 18.48 21.75 0 2017 17.22 18.48 0 2016 17.96 17.22 0 2015 16.23 17.96 0 2014 12.35 16.23 0 2013 10.86 12.35 0 2012 11.40 10.86 0 2011 ----------------------------------------------------------------------------------------------------------- The Prudential Series Fund ----------------------------------------------------------------------------------------------------------- Jennison 20/20 Focus Portfolio -- Class II Shares $32.64 $41.78 75 2020 25.90 32.64 87 2019 28.00 25.90 98 2018 21.98 28.00 97 2017 22.12 21.98 110 2016 21.29 22.12 108 2015 20.33 21.29 113 2014 16.01 20.33 711 2013 14.75 16.01 887 2012 15.74 14.75 877 2011 -----------------------------------------------------------------------------------------------------------

B-193

Number of Accumulation Accumulation Accumulation Unit Values at Unit Values at Units at Subaccounts Beginning of Period End of Period End of Period Year -------------------------------------------------------------------------------------------------------- Jennison Portfolio -- Class II Shares $35.90 $54.81 841 2020 27.54 35.90 1,223 2019 28.39 27.54 1,450 2018 21.25 28.39 1,585 2017 21.93 21.25 1,963 2016 20.12 21.93 1,914 2015 18.71 20.12 2,198 2014 13.90 18.71 2,427 2013 12.24 13.90 2,933 2012 12.48 12.24 3,116 2011 -------------------------------------------------------------------------------------------------------- Natural Resources Portfolio -- Class II Shares $11.83 $12.98 3,946 2020 10.93 11.83 8,462 2019 13.65 10.93 10,080 2018 13.98 13.65 8,918 2017 11.41 13.98 6,697 2016 16.34 11.41 5,134 2015 20.76 16.34 3,863 2014 19.27 20.76 3,939 2013 20.22 19.27 4,192 2012 25.55 20.22 264 2011 -------------------------------------------------------------------------------------------------------- Wells Fargo Variable Trust -------------------------------------------------------------------------------------------------------- Wells Fargo VT Omega Growth Fund -- Class 2 $33.11 $46.54 0 2020 24.62 33.11 0 2019 25.02 24.62 0 2018 18.94 25.02 0 2017 19.19 18.94 0 2016 19.29 19.19 0 2015 18.93 19.29 0 2014 13.79 18.93 0 2013 11.67 13.79 0 2012 12.58 11.67 0 2011 --------------------------------------------------------------------------------------------------------

B-194 TABLE OF CONTENTS Statement of Additional Information The Company..................................................................................................... B-3 The Separate Account............................................................................................ B-3 Additional Information About the Guarantee Account.............................................................. B-3 The Contracts................................................................................................... B-4 Transfer of Annuity Units.................................................................................... B-4 Net Investment Factor........................................................................................ B-4 Termination of Participation Agreements......................................................................... B-4 Calculation of Performance Data................................................................................. B-5 Subaccounts Investing in the Goldman Sachs Variable Insurance Trust -- Government Money Market Fund and the BNY Mellon Variable Investment Fund -- Government Money Market Portfolio................................... B-5 Other Subaccounts............................................................................................ B-6 Other Performance Data....................................................................................... B-7 Tax Matters..................................................................................................... B-7 Taxation of Genworth Life and Annuity Insurance Company...................................................... B-7 IRS Required Distributions................................................................................... B-8 General Provisions.............................................................................................. B-8 Using the Contracts as Collateral............................................................................ B-8 The Beneficiary.............................................................................................. B-8 Non-Participating............................................................................................ B-8 Misstatement of Age or Gender................................................................................ B-8 Incontestability............................................................................................. B-8 Statement of Values.......................................................................................... B-8 Trust as Owner or Beneficiary................................................................................ B-8 Written Notice............................................................................................... B-9 Legal Developments Regarding Employment-Related Benefit Plans................................................... B-9 Regulation of Genworth Life and Annuity Insurance Company....................................................... B-9 Experts......................................................................................................... B-9 Financial Statements............................................................................................ B-9 Genworth Life and Annuity Insurance Company 6610 West Broad Street Richmond, Virginia 23230 A Statement of Additional Information containing more detailed information about the contract and the Separate Account is available free by writing us at the address below or by calling (800) 352-9910. Genworth Life and Annuity Insurance Company Annuity New Business 6610 West Broad Street Richmond, Virginia 23230 Please mail a copy of the Statement of Additional Information for the Separate Account Contract Form P1154 4/00 (RetireReady/SM/ Choice) to: Name: __________________________________________________________________________ Address: _______________________________________________________________________ Street ________________________________________________________________________________ City State Zip Signature of Requestor: ________________________________________________________ Date