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nationwide:C000200827Member 2026-04-27 2026-04-27 0001313581 nationwide:DeathBenefitOption3Member nationwide:C000200827Member 2026-04-27 2026-04-27 pure iso4217:USD utr:Y 0001313581 false 2026-04-27 N-6 N-6 Nationwide VL Separate Account-G <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:15.5pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:541.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:169pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender Charge – Unless the Policy Owner elects the surrender charge waiver option, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">for up to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> years from the Policy Date, or effective date of any Base Policy Specified </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount increase, a surrender charge is deducted if the policy is surrendered, Lapses, or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">there is a requested decrease of the Base Policy Specified Amount (see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Surrender </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">). This charge will vary based upon the individual characteristics of the Insured. </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The maximum surrender charge is $46.85 per $1,000 of Base Policy Specified Amount, or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">4.685</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the Base Policy Specified Amount. For example, for a policy with a $100,000 </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount, a complete surrender could result in a surrender charge of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">4,685</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Partial Surrender Fee – Deducted from the partial surrender amount requested (see </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Partial Surrender Fee</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">). Currently, Nationwide waives the Partial Surrender Fee. </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide may elect in the future to assess a Partial Surrender Fee. The Partial </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender Fee assessed to each surrender will not exceed the lesser of $25 or 5% of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount surrendered.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:114pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The Policy Owner may also be charged for other transactions as follows:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Percent of Premium Charge – Deducted from each Premium payment applied to a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Capped Indexed Interest Strategy Charge – Assessed upon creation of an Index </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Segment in an Indexed Interest Strategy with a cap rate.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Service Fee – Upon requesting an illustration, policy loan, or copies of transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">confirmations and statements.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Rider Charges – One time rider charges for certain benefits, deducted upon invoking the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">rider.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard Policy Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Riders and Rider Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:81pt;"> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses (periodic </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to surrender charges, interest on any outstanding policy loans, and transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges, an investment in the policy is subject to certain ongoing fees and expenses, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">including fees and expenses covering the cost of insurance under the policy and the cost </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of optional benefits available under the policy, and such fees and expenses are set based </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">on characteristics of the Insured (e.g., age, sex, and rating classification), see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Charges</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Riders and Rider Charges</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. Please refer to the Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Specification Pages of your policy for rates applicable to the policy.</span></div></div></td></tr> <tr style="height:26pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">A Policy Owner will also bear expenses associated with the underlying mutual funds under </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the policy, as shown in the following table:</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment options (underlying mutual fund fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.11</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3.38</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:12.5pt;"> <td colspan="3" style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As a percentage of underlying mutual fund net assets.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:169pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender Charge – Unless the Policy Owner elects the surrender charge waiver option, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">for up to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> years from the Policy Date, or effective date of any Base Policy Specified </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount increase, a surrender charge is deducted if the policy is surrendered, Lapses, or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">there is a requested decrease of the Base Policy Specified Amount (see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Surrender </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">). This charge will vary based upon the individual characteristics of the Insured. </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The maximum surrender charge is $46.85 per $1,000 of Base Policy Specified Amount, or </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">4.685</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the Base Policy Specified Amount. For example, for a policy with a $100,000 </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount, a complete surrender could result in a surrender charge of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">4,685</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Partial Surrender Fee – Deducted from the partial surrender amount requested (see </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Partial Surrender Fee</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">). Currently, Nationwide waives the Partial Surrender Fee. </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide may elect in the future to assess a Partial Surrender Fee. The Partial </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender Fee assessed to each surrender will not exceed the lesser of $25 or 5% of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount surrendered.</span></div></div></td></tr></table> 10 0.04685 4685 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:114pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The Policy Owner may also be charged for other transactions as follows:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Percent of Premium Charge – Deducted from each Premium payment applied to a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Capped Indexed Interest Strategy Charge – Assessed upon creation of an Index </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Segment in an Indexed Interest Strategy with a cap rate.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Service Fee – Upon requesting an illustration, policy loan, or copies of transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">confirmations and statements.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Rider Charges – One time rider charges for certain benefits, deducted upon invoking the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">rider.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard Policy Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Riders and Rider Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:81pt;"> <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses (periodic </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to surrender charges, interest on any outstanding policy loans, and transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges, an investment in the policy is subject to certain ongoing fees and expenses, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">including fees and expenses covering the cost of insurance under the policy and the cost </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of optional benefits available under the policy, and such fees and expenses are set based </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">on characteristics of the Insured (e.g., age, sex, and rating classification), see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Charges</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Riders and Rider Charges</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. Please refer to the Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Specification Pages of your policy for rates applicable to the policy.</span></div></div></td></tr> <tr style="height:26pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">A Policy Owner will also bear expenses associated with the underlying mutual funds under </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the policy, as shown in the following table:</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment options (underlying mutual fund fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.11</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">3.38</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:12.5pt;"> <td colspan="3" style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As a percentage of underlying mutual fund net assets.</span></div></div></td></tr></table> 0.0011 0.0338 <span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> As a percentage of underlying mutual fund net assets.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Risk of Loss</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Owners can lose money by investing in the policy, including loss of principal (see </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span></div></div></td></tr> <tr style="height:67.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Not a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy is not a short-term investment and is not appropriate for an investor who needs </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">ready access to cash (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">A surrender charge may apply (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Surrender Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">). In addition, taking policy loans </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">may increase the risk of Lapse and may result in adverse tax consequences (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Loans</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:92pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Risks Associated with </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Options</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment in this policy is subject to the risk of poor investment performance. </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Investment Experience can vary depending on the performance of the investment </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">options chosen by the Policy Owner.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Each investment option, including each general account option, will have its own unique </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">risks.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Review the prospectuses and disclosures for the investment options before making an </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">investment decision.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Company Risks</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment in the policy is subject to the risks associated with Nationwide, including that </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">any obligations (including under any general account options), guarantees, or benefits are </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">subject to the claims-paying ability of Nationwide. More information about Nationwide, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">including its financial strength ratings, is available by contacting the Service Center (see </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span></div></div></td></tr> <tr style="height:114pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Lapse</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy is at risk of Lapsing when the Cash Surrender Value is insufficient to cover the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly policy charges, including Rider charges. Cash Surrender Value can be reduced by </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">unfavorable Investment Experience, policy loans, partial surrenders and the deduction of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy charges. Payment of insufficient Premium may cause the policy to Lapse. There is </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">no separate additional charge associated with reinstating a Lapsed policy; however, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment of sufficient Premium and repayment or reinstatement of any Indebtedness will </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">be required (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Reinstatement</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">). The Death Benefit will not be paid if the policy has </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lapsed.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more information, see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Lapse</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Owners can lose money by investing in the policy, including loss of principal (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy is not a short-term investment and is not appropriate for an investor who needs </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">ready access to cash (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">A surrender charge may apply (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Surrender Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">). In addition, taking policy loans </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">may increase the risk of Lapse and may result in adverse tax consequences (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Loans</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment in this policy is subject to the risk of poor investment performance. </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Investment Experience can vary depending on the performance of the investment </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">options chosen by the Policy Owner.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Each investment option, including each general account option, will have its own unique </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">risks.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Review the prospectuses and disclosures for the investment options before making an </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">investment decision.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment in the policy is subject to the risks associated with Nationwide, including that </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">any obligations (including under any general account options), guarantees, or benefits are </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">subject to the claims-paying ability of Nationwide. More information about Nationwide, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">including its financial strength ratings, is available by contacting the Service Center (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy is at risk of Lapsing when the Cash Surrender Value is insufficient to cover the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly policy charges, including Rider charges. Cash Surrender Value can be reduced by </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">unfavorable Investment Experience, policy loans, partial surrenders and the deduction of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy charges. Payment of insufficient Premium may cause the policy to Lapse. There is </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">no separate additional charge associated with reinstating a Lapsed policy; however, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment of sufficient Premium and repayment or reinstatement of any Indebtedness will </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">be required (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Reinstatement</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">). The Death Benefit will not be paid if the policy has </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lapsed.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more information, see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Lapse</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may restrict the form in which Sub-Account transfer requests will be </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">accepted (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Sub-Account Transfers </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Transfer Restrictions</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">)</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may limit the frequency and dollar amount of transfers involving the fixed </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">interest options (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Fixed Interest Options Transfers </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Indexed Interest Options </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:10.16pt;">Transfers</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to add, remove, and substitute investment options </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">available under the policy (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Addition, Deletion, or Substitution of Mutual Funds</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers between Sub-Accounts are subject to restrictions designed to deter short-term </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">and excessively frequent transfers (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Transfer Restrictions</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Not all investment options may be available under your policy (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix A: </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:10.16pt;">Underlying Mutual Funds Available Under the Policy</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The availability of investment options may vary depending on the broker-dealer through </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">which the policy is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix D: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Certain optional benefits may be subject to availability, eligibility, and/or invocation </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">requirements. Availability of certain optional benefits may be subject to Nationwide’s </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">underwriting approval for the optional benefit.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Policy loans are not permitted while benefits are being paid under certain optional </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to discontinue offering any optional benefit. Such a </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">discontinuance will only apply to new policies and will not impact any policies already In </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Force.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The availability of policy benefits may vary depending on the broker-dealer through </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">which the policy is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix D: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more information, see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Riders and Rider Charges</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Consult with a tax professional to determine the tax implications of an investment in and </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">payments received under this policy.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Earnings on the policy are generally not taxable to the Policy Owner, unless withdrawn </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the policy. Partial and full surrenders from the policy will be subject to ordinary </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">income tax and may be subject to a tax penalty.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For more information, see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Taxes.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Some financial professionals receive compensation for selling the policy. Compensation </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">can take the form of commissions and other indirect compensation in that Nationwide may </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">share the revenue it earns on this policy with the financial professional’s firm. This conflict </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of interest may influence a financial professional, as these financial professionals may </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">have a financial incentive to offer or recommend this policy over another investment (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">A </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Note on Charges</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Some financial professionals may have a financial incentive to offer an investor a new </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy in place of the one he/she already owns. An investor should only exchange his/her </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy if he/she determines, after comparing the features, fees, and risks of both policies, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">and any surrender charge to terminate the existing policy, that it is preferable for him/her to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">purchase the new policy, rather than to continue to own the existing one (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Exchanging </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">the Policy for Another Life Insurance Policy</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Fee Table</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The following tables describe the fees and expenses that a Policy Owner will pay when buying, owning, and surrendering or taking partial surrenders from the policy. Please refer to the Policy Specification Pages of your policy for information about the specific fees you will pay based on the options you have elected.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The first table describes the fees and expenses that a Policy Owner will pay at the time the Policy Owner pays Premium into the policy, surrenders or takes partial surrenders from the policy, or transfers Cash Value between investment options.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:18.5pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Fees</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:28.5pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Percent of Premium Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon making a Premium </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">payment</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">10</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of each Premium</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:2.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">6</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of each Premium</span></div></div></td></tr> <tr style="height:51pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Capped Indexed Interest Strategy </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon creation of an Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Segment in an Indexed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Interest Strategy with a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">cap rate</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Cash Value </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">applied to create an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Index Segment</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.50</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Cash Value </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">applied to create an Index </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Segment</span></div></div></td></tr> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon requesting an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">illustration, policy loan, or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">copies of transaction </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">confirmations and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">statements</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">25</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0</span></div></div></td></tr> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Partial Surrender Fee</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon a partial surrender</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">lesser of $</span><span style="color:#000000;font-family:Arial;font-size:9pt;">25</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> or </span><span style="color:#000000;font-family:Arial;font-size:9pt;">5</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">the amount surrendered </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">from the policy's Cash </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Value</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0</span></div></div></td></tr> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon surrender, policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Lapse, and certain Base </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Specified Amount </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">decreases</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">46.85</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base Policy Specified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">1.43</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Base </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:69.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco with a Base Policy </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount and Total Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount of $500,000; Death Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Option 1; and a complete surrender of the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">policy in the first year</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon surrender, policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Lapse, and certain Base </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Policy Specified Amount </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">decreases</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$18.30 per $1,000 of Base Policy Specified Amount </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">from the policy's Cash Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:42.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Overloan Lapse Protection Rider II </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">185.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Cash Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">1.50</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Cash </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 85 </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Insured with a Cash Value of $500,000, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">assuming the guideline premium/cash </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">value corridor life insurance qualification </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">test is elected</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon invoking the Rider</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$32 per $1,000 of Cash Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:78.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Overloan Lapse Protection Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;line-height:9pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">The Overloan Lapse Protection Rider is </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">only available in states that have not </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">approved the Overloan Lapse Protection </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Rider II.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">47.50</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Cash Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">1.50</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Cash </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:26.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 85 </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Insured with a Cash Value of $500,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:120pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon invoking the Rider</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;vertical-align:Middle;width:228pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$32 per $1,000 of Cash Value </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:18.5pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Fees</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:28.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:2.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit for Terminal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Illness Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">4</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;">†</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:2.75pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:33.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">TI Administrative Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Rider Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">200</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of TI </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Unadjusted Accelerated </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Death Benefit Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">30</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of TI </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Unadjusted Accelerated </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Death Benefit Payment</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Insured of any age or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">sex, an assumed life expectancy of 1 year, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">an assumed interest rate of 5% and a risk </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">charge of 3.6%.</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon invoking the Rider</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$100 per $1,000 of TI Unadjusted Accelerated Death </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Benefit Payment</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:33.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit for Chronic </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Illness Rider Charge</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:33.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">CI Administrative Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td></tr> <tr style="height:33.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit for Critical </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Illness Rider Charge</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:26.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">CRI Administrative Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">†</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This charge will vary based upon the individual characteristics of the Insured. Representative charges shown in the table may not be representative of the charge that a particular Policy Owner will pay. Policy Owners can request an illustration of specific costs and/or see the Policy Specification Pages for information about specific charges of the policy.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Capped Indexed Interest Strategy Charge rates may vary by Indexed Interest Strategy and date on which an Index Segment was created.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The Policy Owner will be expected to pay the Service Fee by check or money order at the time of the request. This charge will not be deducted from Cash Value.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">For policies issued prior to </span><span style="color:#000000;font-family:Arial;font-size:9pt;">May 1, 2021</span><span style="color:#000000;font-family:Arial;font-size:9pt;">, the maximum Surrender Charge is $</span><span style="color:#000000;font-family:Arial;font-size:9pt;">46.32</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Base Policy Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">4</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The Accelerated Death Benefit for Terminal Illness Rider Charge varies based on prevailing interest rates and the life expectancy of the Insured upon payment of the TI Accelerated Death Benefit Payment.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that a Policy Owner will pay periodically while the policy is In Force, not including underlying mutual fund operating expenses.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:23pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Periodic Charges Other than Annual Underlying Mutual Fund Expenses</span></div></div></td></tr> <tr style="height:24pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:35.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Cost </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">83.34</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Net </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount At Risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Net </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount At Risk </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:23pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with a Base Policy Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount and Total Specified Amount of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$500,000 and Death Benefit Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.01 per $1,000 of Net Amount At Risk</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:42pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Flat Extra Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">2.08</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Net Amount</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">At Risk for each Flat Extra assessed</span></div></div></td></tr> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Percent of Sub-Account Value Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.042</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Cash Value </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">allocated to the Sub-</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Accounts for all policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">years</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Cash Value </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">allocated to the Sub-</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Accounts for all policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">years</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Administrative Per Policy Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">20.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per policy</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">10.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per policy</span></div></div></td></tr> <tr style="height:33.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Per $1,000 of Specified Amount </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Policies for which the surrender charge</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">waiver option is </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">not</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;"> elected</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">3.14</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base Policy Specified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.07</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Base </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age of 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with a Base Policy Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount of $500,000, and Death Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.19 per $1,000 of Base Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Policies for which the surrender charge</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">waiver option is elected</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">4.40</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base Policy Specified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.09</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Base </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age of 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with a Base Policy Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount of $500,000, and Death Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.24 per $1,000 of Base Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Policy Loan Interest Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Annually</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">and at the time of certain </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">events and transactions</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.90</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Indebtedness</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Years 1-10:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.90</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Indebtedness</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Years 11+:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Indebtedness</span></div></div></td></tr> <tr style="height:24pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Children's Term Insurance Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.43</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Children’s Term </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Specified Amount</span></div></div></td> <td style="padding-bottom:3pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.43</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Children’s Term Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:23pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges</span></div></div></td></tr> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Long-Term Care Rider II Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">4.17</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Long </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">-Term Care Specified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Long-Term Care </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:42.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">single preferred non-tobacco with an </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">elected benefit percentage of 4%</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.08 per $1,000 of Long-Term Care Specified </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Long-Term Care Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">12.90</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Long-Term Care Rider </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Net Amount At Risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Long-Term Care Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Net Amount At Risk</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:33.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.02 per $1,000 of Long-Term Care Rider Net </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Amount At Risk</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Spouse Life Insurance Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;line-height:9pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">The Spouse Life Insurance Rider is only </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">available for policies with applications </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">signed prior to </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">May 1, 2020</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">10.23</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Spouse Life Insurance </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.10</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Spouse Life Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative Spouse: an Attained Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">35 female non-tobacco with a Spouse Life </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Insurance Rider Specified Amount of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.11 per $1,000 of Spouse Life Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Specified</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accidental Death Benefit Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.75</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Accidental Death Benefit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.05</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Accidental Death Benefit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco with an Accidental </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Death Benefit Rider Specified Amount of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.06 per $1,000 of Accidental Death Benefit Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Waiver of Monthly Deductions Rider</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">855</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Waiver of Monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Deduction Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">85</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Waiver </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">of Monthly Deduction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco with a Total </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount of $500,000 and Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Benefit Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$85 per $1,000 of Waiver of Monthly Deduction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Premium Waiver Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">315</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Premium Specified by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">the Policy Owner</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">42</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Premium Specified by the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Owner</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:33.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$42 per $1,000 of Premium Waiver Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:26.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Additional Term Insurance Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charges</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:23pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges</span></div></div></td></tr> <tr style="height:60.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Additional Term Insurance Cost of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Insurance Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">83.34</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Additional Term </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Insurance Rider Death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.01</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Additional Term Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Death Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:69.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative an Issue Age 35 male, in </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">the first policy year; preferred non-tobacco </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">with an Additional Term Insurance Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount of $250,000 and a Total </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount of $500,000 and Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Benefit Option 1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.02 per $1,000 of Additional Term Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Death Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Per $1,000 of Additional Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Rider Specified Amount Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">3.14</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Additional Term </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Specified Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.07</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Additional Term Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:62.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age of 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with an Additional Term Insurance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Rider Specified Amount of $250,000 and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">a Total Specified Amount of $500,000, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">and Death Benefit Option 1</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:120pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;vertical-align:Middle;width:228pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.21 per $1,000 of Additional Term Insurance Rider</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Specified Amount</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">†</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This charge will vary based upon the individual characteristics of the Insured. Representative charges shown in the table may not be representative of the charge that a particular Policy Owner will pay. Policy Owners can request an illustration of specific costs and/or see the Policy Specification Pages for information about specific charges of the policy.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The Flat Extra Charge is only applicable if certain factors result in an Insured having a Substandard Rating, see </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:9pt;">. An Insured with more than one Substandard Rating may be assessed more than one Flat Extra Charge. </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The maximum and current Policy Loan Interest Charge rates are stated as gross rates of interest charged.</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the underlying mutual funds that a Policy Owner may periodically pay while the policy is In Force. Expenses shown may change over time and may be higher or lower in the future. A complete list of the underlying mutual funds available under the policy, including their annual expenses, may be found at the back of this document in </span><span style="font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Appendix A: Underlying Mutual Funds Available Under the Policy.</span><span style="font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:15pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:541pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Annual Underlying Mutual Fund Expenses</span></div></div></td></tr> <tr style="height:17.38pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:7.875pt;padding-top:2.375pt;vertical-align:Top;width:361pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:2.375pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:6.67%;margin-right:6.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="padding-bottom:1.875pt;padding-top:2.375pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:6.67%;margin-right:1.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:38.38pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:361pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">(Expenses that are deducted from underlying mutual fund assets, including </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other expenses, as a </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">percentage of average underlying mutual fund net assets.)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:90pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.11</span><span style="font-family:Arial;font-size:9pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:90pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.38</span><span style="font-family:Arial;font-size:9pt;">%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:18.5pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Fees</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:28.5pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Percent of Premium Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon making a Premium </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">payment</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">10</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of each Premium</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:2.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">6</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of each Premium</span></div></div></td></tr> <tr style="height:51pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Capped Indexed Interest Strategy </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon creation of an Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Segment in an Indexed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Interest Strategy with a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">cap rate</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Cash Value </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">applied to create an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Index Segment</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.50</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Cash Value </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">applied to create an Index </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Segment</span></div></div></td></tr> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon requesting an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">illustration, policy loan, or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">copies of transaction </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">confirmations and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">statements</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">25</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0</span></div></div></td></tr> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Partial Surrender Fee</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon a partial surrender</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">lesser of $</span><span style="color:#000000;font-family:Arial;font-size:9pt;">25</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> or </span><span style="color:#000000;font-family:Arial;font-size:9pt;">5</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">the amount surrendered </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">from the policy's Cash </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Value</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0</span></div></div></td></tr> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon surrender, policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Lapse, and certain Base </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Specified Amount </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">decreases</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">46.85</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base Policy Specified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">1.43</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Base </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:69.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco with a Base Policy </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount and Total Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount of $500,000; Death Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Option 1; and a complete surrender of the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">policy in the first year</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon surrender, policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Lapse, and certain Base </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Policy Specified Amount </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">decreases</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$18.30 per $1,000 of Base Policy Specified Amount </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">from the policy's Cash Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:42.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Overloan Lapse Protection Rider II </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">185.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Cash Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">1.50</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Cash </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 85 </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Insured with a Cash Value of $500,000, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">assuming the guideline premium/cash </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">value corridor life insurance qualification </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">test is elected</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon invoking the Rider</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$32 per $1,000 of Cash Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:78.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Overloan Lapse Protection Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;line-height:9pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">The Overloan Lapse Protection Rider is </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">only available in states that have not </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">approved the Overloan Lapse Protection </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Rider II.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">47.50</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Cash Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">1.50</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Cash </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Value</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:26.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 85 </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Insured with a Cash Value of $500,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:120pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon invoking the Rider</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;vertical-align:Middle;width:228pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$32 per $1,000 of Cash Value </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:18.5pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Fees</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:28.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:2.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit for Terminal </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Illness Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">4</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;">†</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:2.75pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:33.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">TI Administrative Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Rider Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">200</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of TI </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Unadjusted Accelerated </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Death Benefit Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">30</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of TI </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Unadjusted Accelerated </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Death Benefit Payment</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Insured of any age or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">sex, an assumed life expectancy of 1 year, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">an assumed interest rate of 5% and a risk </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">charge of 3.6%.</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon invoking the Rider</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$100 per $1,000 of TI Unadjusted Accelerated Death </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Benefit Payment</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:33.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit for Chronic </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Illness Rider Charge</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:33.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">CI Administrative Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td></tr> <tr style="height:33.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit for Critical </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Illness Rider Charge</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:26.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">CRI Administrative Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">250.00</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">†</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This charge will vary based upon the individual characteristics of the Insured. Representative charges shown in the table may not be representative of the charge that a particular Policy Owner will pay. Policy Owners can request an illustration of specific costs and/or see the Policy Specification Pages for information about specific charges of the policy.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Capped Indexed Interest Strategy Charge rates may vary by Indexed Interest Strategy and date on which an Index Segment was created.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The Policy Owner will be expected to pay the Service Fee by check or money order at the time of the request. This charge will not be deducted from Cash Value.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">For policies issued prior to </span><span style="color:#000000;font-family:Arial;font-size:9pt;">May 1, 2021</span><span style="color:#000000;font-family:Arial;font-size:9pt;">, the maximum Surrender Charge is $</span><span style="color:#000000;font-family:Arial;font-size:9pt;">46.32</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Base Policy Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">4</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The Accelerated Death Benefit for Terminal Illness Rider Charge varies based on prevailing interest rates and the life expectancy of the Insured upon payment of the TI Accelerated Death Benefit Payment.</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">†</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This charge will vary based upon the individual characteristics of the Insured. Representative charges shown in the table may not be representative of the charge that a particular Policy Owner will pay. Policy Owners can request an illustration of specific costs and/or see the Policy Specification Pages for information about specific charges of the policy.</span> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Percent of Premium Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon making a Premium </span><span style="color:#000000;font-family:Arial;font-size:9pt;">payment</span> 0.10 0.06 <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Capped Indexed Interest Strategy </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon creation of an Index </span><span style="color:#000000;font-family:Arial;font-size:9pt;">Segment in an Indexed </span><span style="color:#000000;font-family:Arial;font-size:9pt;">Interest Strategy with a </span><span style="color:#000000;font-family:Arial;font-size:9pt;">cap rate</span> 0.0200 0.0050 <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon requesting an </span><span style="color:#000000;font-family:Arial;font-size:9pt;">illustration, policy loan, or </span><span style="color:#000000;font-family:Arial;font-size:9pt;">copies of transaction </span><span style="color:#000000;font-family:Arial;font-size:9pt;">confirmations and </span><span style="color:#000000;font-family:Arial;font-size:9pt;">statements</span> 25 0 <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Partial Surrender Fee</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon a partial surrender</span> 25 0.05 0 <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Surrender Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon surrender, policy </span><span style="color:#000000;font-family:Arial;font-size:9pt;">Lapse, and certain Base </span><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Specified Amount </span><span style="color:#000000;font-family:Arial;font-size:9pt;">decreases</span> 0.4685 0.0143 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:69.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco with a Base Policy </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount and Total Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount of $500,000; Death Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Option 1; and a complete surrender of the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">policy in the first year</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon surrender, policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Lapse, and certain Base </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Policy Specified Amount </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">decreases</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$18.30 per $1,000 of Base Policy Specified Amount </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">from the policy's Cash Value</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Overloan Lapse Protection Rider II </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span> 1.8500 0.0150 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 85 </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Insured with a Cash Value of $500,000, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">assuming the guideline premium/cash </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">value corridor life insurance qualification </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">test is elected</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon invoking the Rider</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$32 per $1,000 of Cash Value</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Overloan Lapse Protection Rider </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span> 47.50 0.0150 <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:26.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 85 </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Insured with a Cash Value of $500,000</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:120pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon invoking the Rider</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;vertical-align:Middle;width:228pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$32 per $1,000 of Cash Value </span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit for Terminal </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Illness Rider Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span> 250.00 250.00 2 0.30 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Insured of any age or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">sex, an assumed life expectancy of 1 year, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">an assumed interest rate of 5% and a risk </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">charge of 3.6%.</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Upon invoking the Rider</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$100 per $1,000 of TI Unadjusted Accelerated Death </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Benefit Payment</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">The Accelerated Death Benefit for Terminal Illness Rider Charge varies based on prevailing interest rates and the life expectancy of the Insured upon payment of the TI Accelerated Death Benefit Payment.</span> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit for Chronic </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Illness Rider Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span> 250.00 250.00 <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit for Critical </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Illness Rider Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Upon invoking the Rider</span> 250.00 250.00 <span style="color:#000000;font-family:Arial;font-size:9pt;">Capped Indexed Interest Strategy Charge rates may vary by Indexed Interest Strategy and date on which an Index Segment was created.</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">The Policy Owner will be expected to pay the Service Fee by check or money order at the time of the request. This charge will not be deducted from Cash Value.</span> 2021-05-01 0.4632 <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;"> <tr style="height:23pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Periodic Charges Other than Annual Underlying Mutual Fund Expenses</span></div></div></td></tr> <tr style="height:24pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:35.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Cost </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">83.34</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Net </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount At Risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Net </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount At Risk </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:23pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with a Base Policy Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount and Total Specified Amount of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$500,000 and Death Benefit Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.01 per $1,000 of Net Amount At Risk</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:42pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Flat Extra Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">2.08</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Net Amount</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">At Risk for each Flat Extra assessed</span></div></div></td></tr> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Percent of Sub-Account Value Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.042</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Cash Value </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">allocated to the Sub-</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Accounts for all policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">years</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Cash Value </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">allocated to the Sub-</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Accounts for all policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">years</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Administrative Per Policy Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">20.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per policy</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">10.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per policy</span></div></div></td></tr> <tr style="height:33.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Per $1,000 of Specified Amount </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Policies for which the surrender charge</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">waiver option is </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">not</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;"> elected</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">3.14</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base Policy Specified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.07</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Base </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age of 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with a Base Policy Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount of $500,000, and Death Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.19 per $1,000 of Base Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Policies for which the surrender charge</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">waiver option is elected</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">4.40</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base Policy Specified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.09</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Base </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age of 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with a Base Policy Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount of $500,000, and Death Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.24 per $1,000 of Base Policy Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Policy Loan Interest Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Annually</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">and at the time of certain </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">events and transactions</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.90</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Indebtedness</span></div></div></td> <td style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Years 1-10:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.90</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Indebtedness</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Years 11+:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">3.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;">% of Indebtedness</span></div></div></td></tr> <tr style="height:24pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Children's Term Insurance Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.43</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Children’s Term </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Specified Amount</span></div></div></td> <td style="padding-bottom:3pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Currently:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.43</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Children’s Term Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:23pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges</span></div></div></td></tr> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Long-Term Care Rider II Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">4.17</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Long </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">-Term Care Specified </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Long-Term Care </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:42.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">single preferred non-tobacco with an </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">elected benefit percentage of 4%</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.08 per $1,000 of Long-Term Care Specified </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Long-Term Care Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">12.90</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Long-Term Care Rider </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Net Amount At Risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Long-Term Care Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Net Amount At Risk</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:33.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.02 per $1,000 of Long-Term Care Rider Net </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Amount At Risk</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Spouse Life Insurance Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;line-height:9pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">The Spouse Life Insurance Rider is only </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">available for policies with applications </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">signed prior to </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">May 1, 2020</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">10.23</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Spouse Life Insurance </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.10</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Spouse Life Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative Spouse: an Attained Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">35 female non-tobacco with a Spouse Life </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Insurance Rider Specified Amount of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.11 per $1,000 of Spouse Life Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Specified</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accidental Death Benefit Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.75</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Accidental Death Benefit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.05</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Accidental Death Benefit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco with an Accidental </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Death Benefit Rider Specified Amount of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.06 per $1,000 of Accidental Death Benefit Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Waiver of Monthly Deductions Rider</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">855</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Waiver of Monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Deduction Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">85</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of Waiver </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">of Monthly Deduction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco with a Total </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount of $500,000 and Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Benefit Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$85 per $1,000 of Waiver of Monthly Deduction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Premium Waiver Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">315</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Premium Specified by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">the Policy Owner</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">42</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Premium Specified by the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Policy Owner</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:33.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$42 per $1,000 of Premium Waiver Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:26.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Additional Term Insurance Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charges</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">†</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:348pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:2pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:23pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:2pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:528pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges</span></div></div></td></tr> <tr style="height:60.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Additional Term Insurance Cost of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Insurance Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">83.34</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Additional Term </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Insurance Rider Death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;padding-top:5pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.01</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Additional Term Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Death Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:69.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative an Issue Age 35 male, in </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">the first policy year; preferred non-tobacco </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">with an Additional Term Insurance Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount of $250,000 and a Total </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount of $500,000 and Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Benefit Option 1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.02 per $1,000 of Additional Term Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Death Benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Per $1,000 of Additional Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Rider Specified Amount Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Maximum:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">3.14</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Additional Term </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Specified Amount</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:114pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Minimum:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;">0.07</span><span style="color:#000000;font-family:Arial;font-size:9pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Additional Term Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Rider Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:62.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age of 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with an Additional Term Insurance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Rider Specified Amount of $250,000 and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">a Total Specified Amount of $500,000, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">and Death Benefit Option 1</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:120pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;vertical-align:Middle;width:228pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.21 per $1,000 of Additional Term Insurance Rider</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Specified Amount</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The Flat Extra Charge is only applicable if certain factors result in an Insured having a Substandard Rating, see </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:9pt;">. An Insured with more than one Substandard Rating may be assessed more than one Flat Extra Charge. </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The maximum and current Policy Loan Interest Charge rates are stated as gross rates of interest charged.</span> <span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Cost </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">of Insurance Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.8334 0.0000 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with a Base Policy Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount and Total Specified Amount of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$500,000 and Death Benefit Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.01 per $1,000 of Net Amount At Risk</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Flat Extra Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.0208 <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Percent of Sub-Account Value Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.00042 0.0000 <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Administrative Per Policy Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 20.00 10.00 <span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Policies for which the surrender charge</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">waiver option is </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">not</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;"> elected</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.0314 0.0007 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age of 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with a Base Policy Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount of $500,000, and Death Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.19 per $1,000 of Base Policy Specified Amount</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Policies for which the surrender charge</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">waiver option is elected</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.0440 0.0009 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:60pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age of 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with a Base Policy Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount of $500,000, and Death Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.24 per $1,000 of Base Policy Specified Amount</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Policy Loan Interest Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Annually</span><span style="color:#000000;font-family:Arial;font-size:9pt;">and at the time of certain </span><span style="color:#000000;font-family:Arial;font-size:9pt;">events and transactions</span> 0.0390 0.0390 0.0300 <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Children's Term Insurance Rider </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.0043 0.0043 <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Long-Term Care Rider II Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.0417 0.0000 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:42.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">single preferred non-tobacco with an </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">elected benefit percentage of 4%</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.08 per $1,000 of Long-Term Care Specified </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Amount</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Long-Term Care Rider Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.1290 0.0000 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:33.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.02 per $1,000 of Long-Term Care Rider Net </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Amount At Risk</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Spouse Life Insurance Rider Charge</span> 2020-05-01 <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.1023 0.0010 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative Spouse: an Attained Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">35 female non-tobacco with a Spouse Life </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Insurance Rider Specified Amount of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.11 per $1,000 of Spouse Life Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Specified</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Amount</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Accidental Death Benefit Rider Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.0075 0.0005 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco with an Accidental </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Death Benefit Rider Specified Amount of </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$100,000</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.06 per $1,000 of Accidental Death Benefit Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Specified Amount</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 855 0.85 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:51.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco with a Total </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount of $500,000 and Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Benefit Option 1</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$85 per $1,000 of Waiver of Monthly Deduction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Benefit</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Premium Waiver Rider Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 3.15 0.42 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:33.25pt;"> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Attained Age 35 male </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">preferred non-tobacco</span></div></div></td> <td style="border-bottom:2pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:2pt solid #000000;padding-bottom:5pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$42 per $1,000 of Premium Waiver Benefit</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Additional Term Insurance Cost of </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Insurance Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.8334 0.0001 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:69.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:180pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative an Issue Age 35 male, in </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">the first policy year; preferred non-tobacco </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">with an Additional Term Insurance Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount of $250,000 and a Total </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Specified Amount of $500,000 and Death </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Benefit Option 1</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:120pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:4.75pt;vertical-align:Middle;width:228pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.02 per $1,000 of Additional Term Insurance Rider </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Death Benefit</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Per $1,000 of Additional Term </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Insurance </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Rider Specified Amount Charge</span> <span style="color:#000000;font-family:Arial;font-size:9pt;">Monthly</span> 0.0314 0.0007 <table cellpadding="0" cellspacing="0" style="border-bottom:2pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt;table-layout:auto;"> <tr style="height:62.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Representative: an Issue Age of 35, in the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">first policy year, male preferred non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">tobacco with an Additional Term Insurance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Rider Specified Amount of $250,000 and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">a Total Specified Amount of $500,000, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">and Death Benefit Option 1</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Middle;width:120pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Monthly</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;vertical-align:Middle;width:228pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">$0.21 per $1,000 of Additional Term Insurance Rider</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Specified Amount</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:15pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:541pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Annual Underlying Mutual Fund Expenses</span></div></div></td></tr> <tr style="height:17.38pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:7.875pt;padding-top:2.375pt;vertical-align:Top;width:361pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:2.375pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:6.67%;margin-right:6.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="padding-bottom:1.875pt;padding-top:2.375pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:6.67%;margin-right:1.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:38.38pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:361pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">(Expenses that are deducted from underlying mutual fund assets, including </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other expenses, as a </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">percentage of average underlying mutual fund net assets.)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:90pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.11</span><span style="font-family:Arial;font-size:9pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:90pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.38</span><span style="font-family:Arial;font-size:9pt;">%</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">(Expenses that are deducted from underlying mutual fund assets, including </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other expenses, as a </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">percentage of average underlying mutual fund net assets.)</span> 0.0011 0.0338 <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Principal Risks</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Variable universal life insurance is not suitable as an investment vehicle for short-term savings. It is designed for long-term financial planning. Policy Owners should weigh the investment risk and costs associated with the policy against their objectives, time horizon, risk tolerance, and ability to pay additional Premium if necessary. Policy Owners accessing the Cash Value could incur potentially substantial surrender charges. The Cash Value, and the Death Benefit to the extent the Death Benefit includes or is based on the policy's Cash Value, will be dependent upon the investment performance of the Policy Owner's investment allocations and the fees, expenses and charges paid over the life of the policy. A Policy Owner may not earn sufficient returns from the investment options offered by Nationwide in the policy and selected by the Policy Owner to pay the policy’s periodic charges in which case additional Premium payments may be required over the life of the policy to prevent Lapse. Policy guarantees that exceed the value in the Variable Account, including payment of the Death Benefit, are subject to Nationwide's claims paying ability. If Nationwide experiences financial distress, it may not be able to meet its obligations.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Unfavorable Sub-Account Investment Experience </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Sub-Accounts invest in underlying mutual funds. Underlying mutual funds are variable investments, meaning their value will increase or decrease based on the performance of their portfolio holdings. As such, the Sub-Accounts may generate unfavorable Investment Experience. Unfavorable Investment Experience and the deduction of policy and Sub-Account charges may lower the policy’s Cash Value potentially resulting in a Lapse of insurance coverage, even if all Premium is paid as planned. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> A customized projection of policy values (a "policy illustration") is available from your financial professional at the time of application and after the policy is issued. The Policy Owner selects the Premium amount and frequency shown in the policy illustration to show Nationwide how much Premium the Policy Owner intends to pay and when. The Policy Owner also selects assumed Investment Experience. Illustrated Premium and assumed Investment Experience are not guaranteed. Investment Experience varies over time, is rarely the same year-over-year, and may be negative. Because the policy is a variable universal life insurance policy with the potential for unfavorable Investment Experience, including extended periods of significant market decline, additional Premium may be required to meet a Policy Owner's goals and/or to prevent the policy from Lapsing even if all Premium is paid as planned.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Risk of Policy Lapse </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cash Surrender Value can be reduced by unfavorable Investment Experience, policy loans, partial surrenders and the deduction of policy charges. Underlying mutual fund fees are factored into the NAV used to calculate the Accumulation Unit Value of each Sub-Account and may also reduce Cash Surrender Value, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Mutual Fund Operating Expenses</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Whenever Cash Surrender Value is insufficient to cover the policy’s charges, the policy is at risk of Lapse; the policy could terminate without value and insurance coverage would cease. Lapse may also have adverse income tax consequences if the policy has outstanding Indebtedness.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Risk of Increase in Current Fees and Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to the guaranteed maximum rates stated in the Policy Specification Pages, Nationwide may change policy and/or Rider charges and rates under the policy any time there is a change in Nationwide's future expectations related to items such as company investment earnings, mortality experience, morbidity experience, persistency experience, expenses (including reinsurance expenses) and taxes. Nationwide will provide at least 30 days advance notice of any increase in policy and/or Rider charges. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a change in the charges or rates causes an increase to the policy and/or Rider charges, the policy's Cash Value could decrease. If a change in the charges or rates causes a decrease to the policy and/or Rider charges, the policy's Cash Value could increase. Policy and Rider charges will not exceed the maximum charges shown in the fee tables which are greater than or equal to the highest possible rates for Insureds with the least favorable underwriting characteristics for charge rates that vary based upon the individual characteristics of the Insured, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Fee Table</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Standard Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Risk of Allocating Cash Value to the General Account Options </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Interest credited to, and availability of, Cash Value allocated to the general account options (the Fixed Account, Long-Term Fixed Account and indexed interest options) are subject to Nationwide’s financial strength and claims paying ability. The Policy Owner assumes the risk that interest credited to the general account options may not exceed the Fixed Account’s guaranteed minimum interest crediting rate or the indexed interest options’ floor rates, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Minimum Guaranteed Interest Rate</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Indexed Interest Strategies Interest Crediting</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Additionally, the Policy Owner assumes the risk that not all allocations to an indexed interest option will result in any interest being credited to an Index Segment. Amounts withdrawn, deducted, or transferred from an Index Segment before the Index Segment Maturity Date, will forfeit any interest that would have been earned, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Indexed Interest Options. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Interest credited to the general account options alone may be insufficient to pay the policy's charges. Additional Premium payments may be required over the life of the policy to prevent it from Lapsing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Limitation of Access To Cash Value </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner can access Cash Value through loans, full surrender, and partial surrenders, subject to limitations and any applicable processing fees and surrender charges. Limitations include the amount and frequency of the loan or partial surrender, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Policy Loans</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Surrenders</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Partial surrenders will reduce the Base Policy Specified Amount as well as other policy benefits, and policy loans may increase the risk of Lapse.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">General Account Options Transfer Restrictions and Limitations </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition to the Sub-Accounts available under the policy, Net Premium can be allocated to the general account options. Before the policy's Maturity Date, the Policy Owner may make transfers to and/or from the general account options without penalty or adjustment, subject to transfer restrictions. These transfers will be in dollars. Nationwide may limit the frequency and dollar amount of transfers involving the fixed interest options. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Transfers</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> for details about restrictions that apply to transfers to and from the fixed interest options. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Indexed Interest Options Transfers</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> for details about restrictions that apply to transfers to and from the indexed interest options.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Sub-Account Transfer Limitations </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Frequent transfers among the Sub-Accounts may dilute the value of Accumulation Units, cause the underlying mutual funds to incur higher transaction costs, and interfere with the underlying mutual funds’ ability to pursue their stated investment objectives. This could result in less favorable Investment Experience and a lower Cash Value. Nationwide has instituted procedures to minimize disruptive transfers. While Nationwide expects these procedures to reduce the adverse effect of disruptive transfers, it cannot ensure that it has eliminated these risks.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Sub-Account Investment Risk </span><span style="font-family:Arial;font-size:10pt;">A comprehensive discussion of the risks of each underlying mutual fund may be found in the mutual fund’s prospectus. Read each mutual fund's prospectus before investing. Free copies of each mutual fund's prospectus may be obtained by visiting the website listed in </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Appendix A: Underlying Mutual Funds Available Under the Policy</span><span style="font-family:Arial;font-size:10pt;"> or contacting the Service Center, see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Adverse Tax Consequences </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Existing federal tax laws that benefit this policy may change at any time. These changes could alter the favorable federal income tax treatment the policy enjoys, such as the deferral of taxation on the gains in the policy's Cash Value and the exclusion of the Death Benefit Proceeds from the taxable income of the policy's beneficiary. Partial and full surrenders from the policy may be subject to taxes. The income tax treatment of the surrender of Cash Value is different in the event the policy is treated as a modified endowment contract under the Code. Generally, tax treatment of modified endowment contracts is less favorable when compared to a life insurance policy that is not a modified endowment contract. For example, distributions and loans from modified endowment contracts may currently be taxed as ordinary income and not a return of investment, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="font-family:Arial;font-size:10pt;">The Death Benefit Proceeds of a life insurance policy are includible in the gross estate of the Insured for federal income tax purposes if either (a) the Death Benefit Proceeds are payable to the executor of the estate of the Insured, or (b) the Insured, at any time within three years prior to his or her death, possessed any incident of ownership in the policy. For this purpose, the Treasury Regulations provide that the term "incident of ownership" is to be construed very broadly, and includes any right that the Insured may have with respect to the economic benefits in the policy. Consult a qualified tax advisor on all tax matters involving the policy described herein.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">State Variations </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Due to variations in state law, many features of the policy described in this prospectus may be different or may not be available at all depending on the state in which the policy is issued. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Possible variations include, but are not limited to, Rider terms and availability, availability of certain investment options, duration of the right to cancel period, policy exchange rights, policy Lapse and/or reinstatement requirements, and the duration of suicide and incontestability periods. Variations due to state law are subject to change without notice at any time. This prospectus describes all the material features of the policy. For additional information on state variations, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Appendix B: State Variations</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. To review a copy of the policy and any Riders or endorsements for the state in which the policy will be issued, the Policy Owner can contact the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Cybersecurity </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide’s businesses are highly dependent upon its computer systems and those of its business partners and service providers. This makes Nationwide susceptible to operational and information security risks resulting from a cybersecurity incident. These risks include direct risks, such as theft, misuse, corruption and destruction of data maintained by Nationwide, and indirect risks, such as denial of service attacks on service provider websites and other operational disruptions that impede Nationwide’s ability to conduct its businesses or administer the policy (e.g., calculate unit values or process transactions). </span><span style="font-family:Arial;font-size:10pt;">Financial services companies and their third-party service providers are increasingly the targets of cyber-attacks.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">The techniques used to attack systems and networks change frequently</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">and are becoming more sophisticated, including through the use of artificial intelligence</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">(AI)</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">and AI powered tools. </span><span style="font-family:Arial;font-size:10pt;">Cyber-attacks affecting Nationwide, the underlying mutual funds, intermediaries, and other service providers may adversely affect Nationwide and policy values. Cybersecurity risks may also impact the issuers of securities in which the underlying mutual funds invest, which may cause the underlying mutual funds to lose value. Although Nationwide undertakes substantial efforts to protect its computer systems from cyber-attacks, there can be no guarantee that Nationwide, its service providers, intermediaries, or the underlying mutual funds will be able to avoid or readily detect cybersecurity incidents affecting Policy Owners in the future. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In the event that policy administration or policy values are adversely affected as a result of a failure of Nationwide’s cybersecurity controls, Nationwide will take reasonable steps to take corrective action and restore policy values to the levels that they would have been had the cybersecurity incident not occurred. Nationwide will not, however, be responsible for any adverse impact to policies or policy values that result from the Policy Owner or its designee’s negligent acts or failure to use reasonably appropriate safeguards to protect against cyber-attacks or to protect personal information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Business Continuity Risks </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide is exposed to risks related to natural and man-made disasters, such as storms, fires, earthquakes, public health crises, geopolitical disputes, military actions, and terrorist acts, which could adversely affect Nationwide’s ability to administer the policy. Nationwide has adopted business continuity policies and procedures that may be implemented in the event of a natural or man-made disaster, but such business continuity plans may not operate as intended or fully mitigate the operational risks associated with such disasters. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide outsources certain critical business functions to third parties and, in the event of a natural or man-made disaster, relies upon the successful implementation and execution of the business continuity planning of such entities. While Nationwide closely monitors the business continuity activities of these third parties, successful implementation and execution of their business continuity strategies are largely beyond Nationwide’s control. If one or more of the third parties to whom Nationwide outsources such critical business functions experience operational failures, Nationwide’s ability to administer the policy could be impaired.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Unfavorable Sub-Account Investment Experience </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Sub-Accounts invest in underlying mutual funds. Underlying mutual funds are variable investments, meaning their value will increase or decrease based on the performance of their portfolio holdings. As such, the Sub-Accounts may generate unfavorable Investment Experience. Unfavorable Investment Experience and the deduction of policy and Sub-Account charges may lower the policy’s Cash Value potentially resulting in a Lapse of insurance coverage, even if all Premium is paid as planned. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> A customized projection of policy values (a "policy illustration") is available from your financial professional at the time of application and after the policy is issued. The Policy Owner selects the Premium amount and frequency shown in the policy illustration to show Nationwide how much Premium the Policy Owner intends to pay and when. The Policy Owner also selects assumed Investment Experience. Illustrated Premium and assumed Investment Experience are not guaranteed. Investment Experience varies over time, is rarely the same year-over-year, and may be negative. Because the policy is a variable universal life insurance policy with the potential for unfavorable Investment Experience, including extended periods of significant market decline, additional Premium may be required to meet a Policy Owner's goals and/or to prevent the policy from Lapsing even if all Premium is paid as planned.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Risk of Policy Lapse </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Cash Surrender Value can be reduced by unfavorable Investment Experience, policy loans, partial surrenders and the deduction of policy charges. Underlying mutual fund fees are factored into the NAV used to calculate the Accumulation Unit Value of each Sub-Account and may also reduce Cash Surrender Value, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Mutual Fund Operating Expenses</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Whenever Cash Surrender Value is insufficient to cover the policy’s charges, the policy is at risk of Lapse; the policy could terminate without value and insurance coverage would cease. Lapse may also have adverse income tax consequences if the policy has outstanding Indebtedness.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Risk of Increase in Current Fees and Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to the guaranteed maximum rates stated in the Policy Specification Pages, Nationwide may change policy and/or Rider charges and rates under the policy any time there is a change in Nationwide's future expectations related to items such as company investment earnings, mortality experience, morbidity experience, persistency experience, expenses (including reinsurance expenses) and taxes. Nationwide will provide at least 30 days advance notice of any increase in policy and/or Rider charges. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a change in the charges or rates causes an increase to the policy and/or Rider charges, the policy's Cash Value could decrease. If a change in the charges or rates causes a decrease to the policy and/or Rider charges, the policy's Cash Value could increase. Policy and Rider charges will not exceed the maximum charges shown in the fee tables which are greater than or equal to the highest possible rates for Insureds with the least favorable underwriting characteristics for charge rates that vary based upon the individual characteristics of the Insured, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Fee Table</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Standard Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Risk of Allocating Cash Value to the General Account Options </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Interest credited to, and availability of, Cash Value allocated to the general account options (the Fixed Account, Long-Term Fixed Account and indexed interest options) are subject to Nationwide’s financial strength and claims paying ability. The Policy Owner assumes the risk that interest credited to the general account options may not exceed the Fixed Account’s guaranteed minimum interest crediting rate or the indexed interest options’ floor rates, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Minimum Guaranteed Interest Rate</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Indexed Interest Strategies Interest Crediting</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Additionally, the Policy Owner assumes the risk that not all allocations to an indexed interest option will result in any interest being credited to an Index Segment. Amounts withdrawn, deducted, or transferred from an Index Segment before the Index Segment Maturity Date, will forfeit any interest that would have been earned, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Indexed Interest Options. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Interest credited to the general account options alone may be insufficient to pay the policy's charges. Additional Premium payments may be required over the life of the policy to prevent it from Lapsing.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Limitation of Access To Cash Value </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner can access Cash Value through loans, full surrender, and partial surrenders, subject to limitations and any applicable processing fees and surrender charges. Limitations include the amount and frequency of the loan or partial surrender, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Policy Loans</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Surrenders</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Partial surrenders will reduce the Base Policy Specified Amount as well as other policy benefits, and policy loans may increase the risk of Lapse.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">General Account Options Transfer Restrictions and Limitations </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition to the Sub-Accounts available under the policy, Net Premium can be allocated to the general account options. Before the policy's Maturity Date, the Policy Owner may make transfers to and/or from the general account options without penalty or adjustment, subject to transfer restrictions. These transfers will be in dollars. Nationwide may limit the frequency and dollar amount of transfers involving the fixed interest options. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Transfers</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> for details about restrictions that apply to transfers to and from the fixed interest options. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Indexed Interest Options Transfers</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> for details about restrictions that apply to transfers to and from the indexed interest options.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Sub-Account Transfer Limitations </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Frequent transfers among the Sub-Accounts may dilute the value of Accumulation Units, cause the underlying mutual funds to incur higher transaction costs, and interfere with the underlying mutual funds’ ability to pursue their stated investment objectives. This could result in less favorable Investment Experience and a lower Cash Value. Nationwide has instituted procedures to minimize disruptive transfers. While Nationwide expects these procedures to reduce the adverse effect of disruptive transfers, it cannot ensure that it has eliminated these risks.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Sub-Account Investment Risk </span><span style="font-family:Arial;font-size:10pt;">A comprehensive discussion of the risks of each underlying mutual fund may be found in the mutual fund’s prospectus. Read each mutual fund's prospectus before investing. Free copies of each mutual fund's prospectus may be obtained by visiting the website listed in </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Appendix A: Underlying Mutual Funds Available Under the Policy</span><span style="font-family:Arial;font-size:10pt;"> or contacting the Service Center, see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="font-family:Arial;font-size:10pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Adverse Tax Consequences </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Existing federal tax laws that benefit this policy may change at any time. These changes could alter the favorable federal income tax treatment the policy enjoys, such as the deferral of taxation on the gains in the policy's Cash Value and the exclusion of the Death Benefit Proceeds from the taxable income of the policy's beneficiary. Partial and full surrenders from the policy may be subject to taxes. The income tax treatment of the surrender of Cash Value is different in the event the policy is treated as a modified endowment contract under the Code. Generally, tax treatment of modified endowment contracts is less favorable when compared to a life insurance policy that is not a modified endowment contract. For example, distributions and loans from modified endowment contracts may currently be taxed as ordinary income and not a return of investment, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="font-family:Arial;font-size:10pt;">The Death Benefit Proceeds of a life insurance policy are includible in the gross estate of the Insured for federal income tax purposes if either (a) the Death Benefit Proceeds are payable to the executor of the estate of the Insured, or (b) the Insured, at any time within three years prior to his or her death, possessed any incident of ownership in the policy. For this purpose, the Treasury Regulations provide that the term "incident of ownership" is to be construed very broadly, and includes any right that the Insured may have with respect to the economic benefits in the policy. Consult a qualified tax advisor on all tax matters involving the policy described herein.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">State Variations </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Due to variations in state law, many features of the policy described in this prospectus may be different or may not be available at all depending on the state in which the policy is issued. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Possible variations include, but are not limited to, Rider terms and availability, availability of certain investment options, duration of the right to cancel period, policy exchange rights, policy Lapse and/or reinstatement requirements, and the duration of suicide and incontestability periods. Variations due to state law are subject to change without notice at any time. This prospectus describes all the material features of the policy. For additional information on state variations, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Appendix B: State Variations</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. To review a copy of the policy and any Riders or endorsements for the state in which the policy will be issued, the Policy Owner can contact the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Cybersecurity </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide’s businesses are highly dependent upon its computer systems and those of its business partners and service providers. This makes Nationwide susceptible to operational and information security risks resulting from a cybersecurity incident. These risks include direct risks, such as theft, misuse, corruption and destruction of data maintained by Nationwide, and indirect risks, such as denial of service attacks on service provider websites and other operational disruptions that impede Nationwide’s ability to conduct its businesses or administer the policy (e.g., calculate unit values or process transactions). </span><span style="font-family:Arial;font-size:10pt;">Financial services companies and their third-party service providers are increasingly the targets of cyber-attacks.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">The techniques used to attack systems and networks change frequently</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">and are becoming more sophisticated, including through the use of artificial intelligence</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">(AI)</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">and AI powered tools. </span><span style="font-family:Arial;font-size:10pt;">Cyber-attacks affecting Nationwide, the underlying mutual funds, intermediaries, and other service providers may adversely affect Nationwide and policy values. Cybersecurity risks may also impact the issuers of securities in which the underlying mutual funds invest, which may cause the underlying mutual funds to lose value. Although Nationwide undertakes substantial efforts to protect its computer systems from cyber-attacks, there can be no guarantee that Nationwide, its service providers, intermediaries, or the underlying mutual funds will be able to avoid or readily detect cybersecurity incidents affecting Policy Owners in the future. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In the event that policy administration or policy values are adversely affected as a result of a failure of Nationwide’s cybersecurity controls, Nationwide will take reasonable steps to take corrective action and restore policy values to the levels that they would have been had the cybersecurity incident not occurred. Nationwide will not, however, be responsible for any adverse impact to policies or policy values that result from the Policy Owner or its designee’s negligent acts or failure to use reasonably appropriate safeguards to protect against cyber-attacks or to protect personal information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Business Continuity Risks </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide is exposed to risks related to natural and man-made disasters, such as storms, fires, earthquakes, public health crises, geopolitical disputes, military actions, and terrorist acts, which could adversely affect Nationwide’s ability to administer the policy. Nationwide has adopted business continuity policies and procedures that may be implemented in the event of a natural or man-made disaster, but such business continuity plans may not operate as intended or fully mitigate the operational risks associated with such disasters. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide outsources certain critical business functions to third parties and, in the event of a natural or man-made disaster, relies upon the successful implementation and execution of the business continuity planning of such entities. While Nationwide closely monitors the business continuity activities of these third parties, successful implementation and execution of their business continuity strategies are largely beyond Nationwide’s control. If one or more of the third parties to whom Nationwide outsources such critical business functions experience operational failures, Nationwide’s ability to administer the policy could be impaired.</span> <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Other Benefits Available Under the Policy </span><span style="font-family:Arial;font-size:10pt;">In addition to the standard death benefit options available under the policy, other standard or optional benefits may also be available to you. The following table summarizes information about these other benefits. For additional information on the policy’s Riders, see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Policy Riders and Rider Charges</span><span style="font-family:Arial;font-size:10pt;">. Additional information on the fees associated with each benefit is in the Fee Table. The availability of policy benefits may vary depending on the broker-dealer through which the policy is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Appendix D: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;">).</span><span style="font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:78.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed Policy </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Continuation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">During the Death </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Guarantee </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Period, the policy will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">not Lapse if Premium </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">requirements are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">satisfied</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Monthly Death Benefit Guarantee Premium </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">can change due to action by the Policy Owner</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● When the Death Benefit Guarantee Period ends, </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">the policy may be at risk of Lapse</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Duration of the benefit period varies based on the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured’s Issue Age</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guaranteed Policy Continuation Provision</span><span style="font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-term transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">program involving </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic transfer of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only permitted from the Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">and a limited number of Sub-Accounts</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers may not be directed to the Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">or Long-Term Fixed Account</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers from the Fixed Account must be no more </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">than 1/12</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">th</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of the Fixed Account value at the time </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">the program is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may modify, suspend, or discontinue </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">these programs at any time</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only made monthly</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span></div></div></td></tr> <tr style="height:70pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Enhanced Dollar Cost </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-term transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">program involving </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic transfer of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocations with higher </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest crediting rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available at the time of application, and only </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">initial Premium is eligible for the program</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only permitted from the Fixed Account</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only made monthly and only for the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">first policy year</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatic reallocation </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of assets on a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">predetermined </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage basis</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Assets in the general account options are excluded </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the program</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Rebalances only permitted on a three, six, or 12 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">month schedule</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span></div></div></td></tr> <tr style="height:103pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automated Income </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monitor</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Systematic partial </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender and/or policy </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">loan program to take an </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">income stream of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">scheduled payments </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">from the Cash Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to policies that are not modified </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">endowment contracts</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Policy Owners are responsible for monitoring the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy to prevent Lapse</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Program will terminate upon the occurrence of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">specified events</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may modify, suspend, or discontinue the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">program at any time</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span></div></div></td></tr> <tr style="height:48pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender Charge </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waiver Option</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender charges are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">waived for full and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">partial Surrenders</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to be elected at the time of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">application</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Election is irrevocable</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Surrender Charge</span></div></div></td></tr> <tr style="height:100.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Lapse </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Protection Rider II</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prevent the policy from </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lapsing due to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Election to invoke is irrevocable</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Once invoked, all other Riders terminate (except the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Additional Term Insurance Rider, if applicable)</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value will be transferred to the Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">and may not be transferred out</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No further loans or partial surrenders may be taken </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the policy</span><span style="font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:147pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Lapse </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Protection Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prevent the policy from </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lapsing due to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No longer available for new issues</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available for policies for which the guideline </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">premium/cash value corridor life insurance </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">qualification test is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Election to invoke is irrevocable</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Once invoked, all other Riders terminate (except the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Additional Term Insurance Rider, if applicable)</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value will be transferred to the Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">and may not be transferred out</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No further loans or partial surrenders may be taken </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the policy</span></div></div></td></tr> <tr style="height:70pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Children’s Term </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides term life </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insurance on the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured’s children</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insurance coverage for each insured child </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">continues until the earlier: (1) the policy anniversary </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">on or next following the date the Insured’s child </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">turns age 22, or (2) the policy anniversary on which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the Insured reaches Attained Age 65</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Provides a conversion right, subject to limitations</span></div></div></td></tr> <tr style="height:210.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-Term Care Rider II</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerates a portion of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Total Specified </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount for qualified </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">long-term care services</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Underwriting requirements for the Rider are </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">separate and distinct from the policy, and the Rider </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">does not provide benefits for certain conditions or </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">events</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 21 and 80 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the Rider is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Long-Term Care Specified Amount must be at least </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">$100,000 and no more than the maximum </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">determined in underwriting</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to maximum monthly benefit</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to an elimination period, a 90-day waiting </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">period, before benefits are paid</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Written notice of claim is required</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit associated with the Rider may not cover all </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">long-term care costs incurred</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● While benefit is being paid no loans or partial </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">surrenders may be taken from the policy</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:235pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-Term Care Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerates a portion of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Total Specified </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount for qualified </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">long-term care services</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available for new or In Force policies in states </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">where the Long-Term Care Rider II is not approved</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Underwriting requirements for the Rider are </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">separate and distinct from the policy, and the Rider </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">does not provide benefits for certain conditions or </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">events</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If purchased six months or more after the Policy </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Date, new evidence of insurability is required</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Long-Term Care Specified Amount must be at least </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">10% of the Total Specified Amount and no more </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">than 100% of the Total Specified Amount</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to maximum monthly benefit</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to an elimination period, a 90-day waiting </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">period, before benefits are paid</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Written notice of claim is required</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit associated with the Rider may not cover all </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">long-term care costs incurred</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● While benefit is being paid no loans or partial </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">surrenders may be taken from the policy</span></div></div></td></tr> <tr style="height:81pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Spouse Life Insurance </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death benefit payable </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">upon death of the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured Spouse</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">●  No longer available for new issue or post-issue </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">election</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 21 and 59 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the Rider is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured Spouse must be between Attained Age 18 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">and 69 when the Rider is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Provides a conversion right, subject to limitations</span></div></div></td></tr> <tr style="height:199.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Terminal </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides a one-time </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">terminal illness benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Rider only applies to the Insured under the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">base policy</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Invoking the Rider is subject to eligibility </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">requirements</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Requested Percentage must not exceed 50% of the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Base Policy Specified Amount</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Amount of the TI Accelerated Death Benefit </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">payment must be at least $10,000 and cannot </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">exceed $250,000</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The minimum Base Policy Specified Amount for the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy must still be met after processing the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">acceleration request</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Timing restrictions on coverage may apply</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Receipt of accelerated death benefits may be </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">taxable and may adversely impact eligibility for </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">other government benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The value of the benefit may be reduced by </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits paid under other Riders</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:213pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Chronic </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides for chronic </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">illness benefit payments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 18 and 65 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the policy is issued</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be certified by a licensed health care </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">practitioner within 30 days prior to submitting a </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">claim</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to annual and lifetime dollar amount </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">limitations</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● 90-day waiting period applies for the first claim; </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">waiting period may apply for subsequent claims</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death Benefit must be changed to Death Benefit </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Option 1</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Partial Surrenders and Indebtedness will reduce </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Receipt of accelerated death benefits may be </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">taxable and may adversely impact eligibility for </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">other government benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The value of the benefit may be reduced by </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits paid under other Riders</span></div></div></td></tr> <tr style="height:180pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Critical </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides for critical </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">illness benefit payments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 18 and 65 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the policy is issued</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must have one of the qualifying critical </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">illness conditions to invoke this Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to annual and lifetime dollar amount </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">limitations</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death Benefit must be changed to Death Benefit </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Option 1</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Partial Surrenders and Indebtedness will reduce </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Receipt of accelerated death benefits may be </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">taxable and may adversely impact eligibility for </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">other government benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The value of the benefit may be reduced by </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits paid under other Riders</span></div></div></td></tr> <tr style="height:92pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accidental Death </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Payment of a benefit in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">addition to the Death </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit upon the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured’s accidental </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements for accidental </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">death</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased on or after the policy </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">anniversary on which Insured reaches Attained Age </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">5 and before the policy anniversary on which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured reaches Attained Age 65</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Coverage continues until Insured reaches Attained </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Age 70</span></div></div></td></tr> <tr style="height:133.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Waiver Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides a monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">credit to the policy upon </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Insured’s total </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">disability</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased on or after the policy </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">anniversary on which Insured reaches Attained Age </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">21 and before the policy anniversary on which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured reaches Attained Age 59</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Monthly credit applied may not be sufficient to keep </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the policy from Lapsing</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cannot be elected if the Waiver of Monthly </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Deductions Rider is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Insured is younger than age 63 at the time of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the total disability, coverage continues until age 65</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Insured is age 63 or older at the time of the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">total disability, coverage may continue for two years</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Additional Term </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides term life </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insurance on the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured, in addition to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that under the base </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased until the Insured reaches </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Attained Age 85</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If purchase after the Policy Date, evidence of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">insurability is required</span></div></div></td></tr> <tr style="height:177.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waiver of policy </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges if the Insured </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">becomes totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">disabled</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased on or after the policy </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">anniversary on which Insured reaches Attained Age </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">21 and before the policy anniversary on which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured reaches Attained Age 59</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Monthly charges will not be waived until the Insured </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">has been disabled for six consecutive months</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit alone may not be sufficient to keep the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy from Lapsing</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cannot be elected if the Premium Waiver Rider is </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If disability began before Attained Age 60, the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefit may continue for as long as the disability</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If disability began between Attained Age 60 and 63, </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the benefit may continue until Attained Age 65</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Insured’s total disability begins after Attained </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Age 63, the benefit may continue for two years</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Other Benefits Available Under the Policy </span><span style="font-family:Arial;font-size:10pt;">In addition to the standard death benefit options available under the policy, other standard or optional benefits may also be available to you. The following table summarizes information about these other benefits. For additional information on the policy’s Riders, see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Policy Riders and Rider Charges</span><span style="font-family:Arial;font-size:10pt;">. Additional information on the fees associated with each benefit is in the Fee Table. The availability of policy benefits may vary depending on the broker-dealer through which the policy is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Appendix D: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;">).</span><span style="font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:78.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed Policy </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Continuation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">During the Death </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Guarantee </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Period, the policy will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">not Lapse if Premium </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">requirements are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">satisfied</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Monthly Death Benefit Guarantee Premium </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">can change due to action by the Policy Owner</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● When the Death Benefit Guarantee Period ends, </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">the policy may be at risk of Lapse</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Duration of the benefit period varies based on the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured’s Issue Age</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guaranteed Policy Continuation Provision</span><span style="font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:125pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-term transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">program involving </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic transfer of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only permitted from the Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">and a limited number of Sub-Accounts</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers may not be directed to the Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">or Long-Term Fixed Account</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers from the Fixed Account must be no more </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">than 1/12</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">th</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of the Fixed Account value at the time </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">the program is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may modify, suspend, or discontinue </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">these programs at any time</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only made monthly</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span></div></div></td></tr> <tr style="height:70pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Enhanced Dollar Cost </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-term transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">program involving </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic transfer of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocations with higher </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest crediting rate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available at the time of application, and only </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">initial Premium is eligible for the program</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only permitted from the Fixed Account</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only made monthly and only for the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">first policy year</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatic reallocation </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of assets on a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">predetermined </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage basis</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Assets in the general account options are excluded </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the program</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Rebalances only permitted on a three, six, or 12 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">month schedule</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span></div></div></td></tr> <tr style="height:103pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automated Income </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monitor</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Systematic partial </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender and/or policy </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">loan program to take an </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">income stream of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">scheduled payments </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">from the Cash Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to policies that are not modified </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">endowment contracts</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Policy Owners are responsible for monitoring the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy to prevent Lapse</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Program will terminate upon the occurrence of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">specified events</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may modify, suspend, or discontinue the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">program at any time</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span></div></div></td></tr> <tr style="height:48pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender Charge </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waiver Option</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender charges are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">waived for full and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">partial Surrenders</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to be elected at the time of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">application</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Election is irrevocable</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Surrender Charge</span></div></div></td></tr> <tr style="height:100.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Lapse </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Protection Rider II</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prevent the policy from </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lapsing due to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Election to invoke is irrevocable</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Once invoked, all other Riders terminate (except the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Additional Term Insurance Rider, if applicable)</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value will be transferred to the Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">and may not be transferred out</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No further loans or partial surrenders may be taken </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the policy</span><span style="font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:147pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Lapse </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Protection Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prevent the policy from </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lapsing due to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No longer available for new issues</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available for policies for which the guideline </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">premium/cash value corridor life insurance </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">qualification test is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Election to invoke is irrevocable</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Once invoked, all other Riders terminate (except the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Additional Term Insurance Rider, if applicable)</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value will be transferred to the Fixed Account </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">and may not be transferred out</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No further loans or partial surrenders may be taken </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the policy</span></div></div></td></tr> <tr style="height:70pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Children’s Term </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides term life </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insurance on the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured’s children</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insurance coverage for each insured child </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">continues until the earlier: (1) the policy anniversary </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">on or next following the date the Insured’s child </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">turns age 22, or (2) the policy anniversary on which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the Insured reaches Attained Age 65</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Provides a conversion right, subject to limitations</span></div></div></td></tr> <tr style="height:210.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-Term Care Rider II</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerates a portion of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Total Specified </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount for qualified </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">long-term care services</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Underwriting requirements for the Rider are </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">separate and distinct from the policy, and the Rider </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">does not provide benefits for certain conditions or </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">events</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 21 and 80 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the Rider is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Long-Term Care Specified Amount must be at least </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">$100,000 and no more than the maximum </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">determined in underwriting</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to maximum monthly benefit</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to an elimination period, a 90-day waiting </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">period, before benefits are paid</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Written notice of claim is required</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit associated with the Rider may not cover all </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">long-term care costs incurred</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● While benefit is being paid no loans or partial </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">surrenders may be taken from the policy</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:235pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-Term Care Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerates a portion of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Total Specified </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount for qualified </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">long-term care services</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available for new or In Force policies in states </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">where the Long-Term Care Rider II is not approved</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Underwriting requirements for the Rider are </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">separate and distinct from the policy, and the Rider </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">does not provide benefits for certain conditions or </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">events</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If purchased six months or more after the Policy </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Date, new evidence of insurability is required</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Long-Term Care Specified Amount must be at least </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">10% of the Total Specified Amount and no more </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">than 100% of the Total Specified Amount</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to maximum monthly benefit</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to an elimination period, a 90-day waiting </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">period, before benefits are paid</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Written notice of claim is required</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit associated with the Rider may not cover all </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">long-term care costs incurred</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● While benefit is being paid no loans or partial </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">surrenders may be taken from the policy</span></div></div></td></tr> <tr style="height:81pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Spouse Life Insurance </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death benefit payable </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">upon death of the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured Spouse</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">●  No longer available for new issue or post-issue </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">election</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 21 and 59 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the Rider is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured Spouse must be between Attained Age 18 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">and 69 when the Rider is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Provides a conversion right, subject to limitations</span></div></div></td></tr> <tr style="height:199.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Terminal </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides a one-time </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">terminal illness benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Rider only applies to the Insured under the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">base policy</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Invoking the Rider is subject to eligibility </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">requirements</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Requested Percentage must not exceed 50% of the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Base Policy Specified Amount</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Amount of the TI Accelerated Death Benefit </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">payment must be at least $10,000 and cannot </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">exceed $250,000</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The minimum Base Policy Specified Amount for the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy must still be met after processing the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">acceleration request</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Timing restrictions on coverage may apply</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Receipt of accelerated death benefits may be </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">taxable and may adversely impact eligibility for </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">other government benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The value of the benefit may be reduced by </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits paid under other Riders</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:213pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Chronic </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides for chronic </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">illness benefit payments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 18 and 65 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the policy is issued</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be certified by a licensed health care </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">practitioner within 30 days prior to submitting a </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">claim</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to annual and lifetime dollar amount </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">limitations</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● 90-day waiting period applies for the first claim; </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">waiting period may apply for subsequent claims</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death Benefit must be changed to Death Benefit </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Option 1</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Partial Surrenders and Indebtedness will reduce </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Receipt of accelerated death benefits may be </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">taxable and may adversely impact eligibility for </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">other government benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The value of the benefit may be reduced by </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits paid under other Riders</span></div></div></td></tr> <tr style="height:180pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Critical </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides for critical </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">illness benefit payments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 18 and 65 </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the policy is issued</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must have one of the qualifying critical </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">illness conditions to invoke this Rider</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to annual and lifetime dollar amount </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">limitations</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death Benefit must be changed to Death Benefit </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Option 1</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Partial Surrenders and Indebtedness will reduce </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Receipt of accelerated death benefits may be </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">taxable and may adversely impact eligibility for </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">other government benefits</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The value of the benefit may be reduced by </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits paid under other Riders</span></div></div></td></tr> <tr style="height:92pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accidental Death </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Payment of a benefit in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">addition to the Death </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit upon the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured’s accidental </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements for accidental </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">death</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased on or after the policy </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">anniversary on which Insured reaches Attained Age </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">5 and before the policy anniversary on which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured reaches Attained Age 65</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Coverage continues until Insured reaches Attained </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Age 70</span></div></div></td></tr> <tr style="height:133.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Waiver Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides a monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">credit to the policy upon </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Insured’s total </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">disability</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased on or after the policy </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">anniversary on which Insured reaches Attained Age </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">21 and before the policy anniversary on which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured reaches Attained Age 59</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Monthly credit applied may not be sufficient to keep </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the policy from Lapsing</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cannot be elected if the Waiver of Monthly </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Deductions Rider is elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Insured is younger than age 63 at the time of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the total disability, coverage continues until age 65</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Insured is age 63 or older at the time of the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">total disability, coverage may continue for two years</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:37.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Standard or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Additional Term </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides term life </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insurance on the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured, in addition to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that under the base </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased until the Insured reaches </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Attained Age 85</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If purchase after the Policy Date, evidence of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">insurability is required</span></div></div></td></tr> <tr style="height:177.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waiver of policy </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges if the Insured </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">becomes totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">disabled</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased on or after the policy </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">anniversary on which Insured reaches Attained Age </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">21 and before the policy anniversary on which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured reaches Attained Age 59</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Monthly charges will not be waived until the Insured </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">has been disabled for six consecutive months</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit alone may not be sufficient to keep the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy from Lapsing</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cannot be elected if the Premium Waiver Rider is </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If disability began before Attained Age 60, the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefit may continue for as long as the disability</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If disability began between Attained Age 60 and 63, </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the benefit may continue until Attained Age 65</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Insured’s total disability begins after Attained </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Age 63, the benefit may continue for two years</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Policy Riders and Rider Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Policy Owners may purchase one or more of the policy’s Riders. There may be additional charges assessed for elected Riders, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Fee Table</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. The availability, operation, and benefits of the Riders may vary by the state where the policy is issued. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Some Rider charges are assessed starting on the Policy Date and each Policy Monthaversary by taking deductions from the Cash Value. If a Rider with a monthly charge is elected after the Policy Date, Rider charges will begin to be deducted on the first Policy Monthaversary after Nationwide approves the request unless the Policy Owner requests and Nationwide approves a different date. Some Riders assess a one-time charge upon invoking the Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Rider charges compensate Nationwide for the services and benefits provided, the costs and expenses incurred, and the risks assumed by Nationwide associated with offering the Riders. Nationwide may generate a profit from any of the Rider charges. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The maximum and minimum/current Rider charges are stated in the Fee Tables, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Fee Table. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The charge and/or benefits received under certain Riders may be treated as a distribution from the policy for income tax purposes, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Periodic Withdrawals, Non-Periodic Withdrawals and Loans</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Overloan Lapse Protection Rider II </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner is able to prevent the policy with Indebtedness from Lapsing due to the combination of Indebtedness and any long-term care benefits paid by invoking the Overloan Lapse Protection Rider II, which provides a guaranteed paid-up insurance benefit. The Rider is designed to enable the Policy Owner of a policy with a substantially depleted Cash Surrender Value, due to Indebtedness, to potentially avoid the negative tax consequences associated with Lapsing the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Neither the IRS nor the courts have ruled on the tax consequences of invoking the Overloan Lapse Protection Rider II. It is possible that the IRS or a court could assert that the Indebtedness should be treated as a distribution, all or a portion of which could be taxable when the Rider is invoked. Consult with a tax advisor regarding the risks associated with invoking this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed on or after June 14, 2021,</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> all policies, regardless of the elected life insurance qualification test, will automatically receive the Overloan Lapse Protection Rider II (state law permitting). </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed prior to June 14, 2021: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies for which the cash value accumulation life insurance qualification test was elected, such policies will automatically receive the Overloan Lapse Protection Rider II (state law permitting). </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies for which the guideline premium/cash value corridor life insurance qualification test was elected, this Rider is not available. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider is dormant until specifically invoked by the Policy Owner, at which time a one-time charge is assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Eligibility </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Policy Owner is eligible to invoke the Rider upon meeting the following conditions: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy has Indebtedness, and the Indebtedness plus the total amount of any long-term care benefits paid reaches a certain percentage of the policy's Cash Value (the percentage will vary based on the Insured’s Attained Age, and will range from 94% to 99% for policies for which the guideline premium/cash value corridor life insurance qualification test is elected and from 81-98% for policies for which the cash value accumulation life insurance qualification test is elected); </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Insured is Attained Age 65 or older; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The 15th policy anniversary has been reached, regardless of any period of Lapse, and the policy is currently In Force; and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies for which the guideline premium/cash value corridor life insurance qualification test is elected, all amounts required to be withdrawn so that the Policy continues to qualify as life insurance under Section 7702 of the Code must be taken as partial surrenders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The first time the policy's Indebtedness plus the total amount of any long-term care benefits paid reaches the percentage that makes the policy eligible for the Rider, Nationwide will notify the Policy Owner of the policy's eligibility to invoke the Rider. The letter will also describe the Rider, its cost, and its guaranteed benefits. The Rider may be invoked at any time, provided that the above conditions are met. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Impact on Other Riders and the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When this Rider is invoked, all other In Force Riders will terminate except the Additional Term Insurance Rider, if applicable. An election to invoke the Overloan Lapse Protection Rider II is irrevocable. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Additionally, Nationwide will adjust the policy as follows: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If not already in effect, the death benefit option will be changed to Death Benefit Option 1. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Total Specified Amount will be adjusted to equal the lesser of: (1) the Total Specified Amount immediately before the Rider was invoked; or (2) the Total Specified Amount that will cause the Death Benefit to equal the Minimum Required Death Benefit immediately after the charge for the Rider is deducted. This "new" Total Specified Amount will be used to calculate the Death Benefit pursuant to The Death Benefit provision. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any non-loaned Cash Value (after deduction of the Overloan Lapse Protection Rider II charge) will be transferred to the Fixed Account, where it will earn at least the minimum guaranteed fixed interest rate of the base policy (shown in the Policy Specification Pages). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the above adjustments are made, the Indebtedness will continue to grow at the policy's loan charged rate, and the amount in the policy loan account will continue to earn interest at the policy's loan crediting rate. No additional policy or Rider charges will be assessed. No further loans or partial surrenders may be taken from the policy. Cash Value may not be transferred out of the Fixed Account. The Death Benefit will be the greater of the Total Specified Amount or the Minimum Required Death Benefit. The policy will remain as described above for the duration of the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Invoking the Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value. For policies with Death Benefit Option 2 or 3 before the Rider is invoked, the Death Benefit after the Rider is invoked, Death Benefit Option 1, will provide a lower Death Benefit because of the loss of the Cash Value or Premium component respectively. Additionally, any benefits paid pursuant to this Rider will reduce the Cash Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the policy is currently In Force and the following:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The policy was issued with the cash value accumulation life insurance qualification test</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured’s Attained Age is 77</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Policy is in its 23rd policy year</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death Benefit Option 2</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Total Specified Amount: $500,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Indebtedness: $195,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Long-term care benefits paid: $120,000</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value: $375,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Applicable age-based factor for determining rider charge: 14.7%</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, a decision to invoke the Rider would impact the policy as </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">follows:</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The death benefit option will be changed from Death Benefit Option 2 to Death Benefit </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">Option 1.</span></div></div></td></tr> <tr style="height:39pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The one-time charge for invoking the Rider will be $55,125 ($375,000 x 14.7%) and will </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">be deducted from the Cash Value, reducing the Cash Value to $319,875 ($375,000 - </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">$55,125)</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The non-loaned Cash Value $124,875 ($319,875 - $195,000) will be transferred to the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">Fixed Account where it will earn at least the minimum guaranteed fixed interest rate.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy loan account ($195,000) will continue to earn interest at the policy's loan </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">crediting rate.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The Indebtedness ($195,000) will continue to grow at the policy’s loan interest charged </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">rate.</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After this Rider is invoked, no other changes to the policy can be made.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Overloan Lapse Protection Rider II Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Overloan Lapse Protection Rider II Charge is a one-time charge deducted at the time the Rider is invoked, and is assessed against the Cash Value allocated to the Sub-Accounts and the general account option. The charge is intended to cover the administrative costs and to compensate Nationwide for the risks associated with the Rider's guaranteed paid-up Death Benefit. The charge is the product of the policy's Cash Value and an age-based factor ranging from 0.15% to 18.50% as shown in the Policy Specification Pages. The age-based factor will vary based upon the elected life insurance qualification test. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Cash Value, less the sum of Indebtedness and the total amount of any long-term care benefits paid, is insufficient to satisfy the charge, the Rider cannot be invoked without repaying enough Indebtedness to cover the charge.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Overloan Lapse Protection Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner is able to prevent the policy from Lapsing due to Indebtedness by invoking the Overloan Lapse Protection Rider, which provides a guaranteed paid-up insurance benefit. The Rider is designed to enable the Policy Owner of a policy with a substantially depleted Cash Surrender Value, due to Indebtedness, to potentially avoid the negative tax consequences associated with Lapsing the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Neither the IRS nor the courts have ruled on the tax consequences of invoking the Overloan Lapse Protection Rider. It is possible that the IRS or a court could assert that the Indebtedness should be treated as a distribution, all or a portion of which could be taxable when the Rider is invoked. Consult with a tax advisor regarding the risks associated with invoking this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed on or after June 14, 2021</span><span style="color:#000000;font-family:Arial;font-size:10pt;">, the Overloan Lapse Protection Rider is no longer available for new issues. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed prior to June 14, 2021</span><span style="color:#000000;font-family:Arial;font-size:10pt;">, and for which the guideline premium/cash value corridor life insurance qualification test was elected, such policies will automatically receive the Overloan Lapse Protection Rider (state law permitting). The Rider is dormant until specifically invoked by the Policy Owner, at which time a one-time charge is assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider is not available for policies for which the cash value accumulation life insurance qualification test was elected. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Policy Owner is eligible to invoke the Rider upon meeting the following conditions: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Indebtedness reaches a certain percentage of the policy's Cash Value (the percentage will range from 94% to 99% based upon the Insured's Attained Age); </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Insured is Attained Age 75 or older; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The 15</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> anniversary of the Policy Date has been reached, regardless of any period of Lapse, and the policy is currently In Force; and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">All amounts required to be withdrawn so that the Policy continues to qualify as life insurance under Section 7702 of the Code must be taken as partial surrenders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The first time the policy's Indebtedness reaches the percentage that makes the policy eligible for the Rider, Nationwide will notify the Policy Owner of the policy's eligibility to invoke the Rider. The letter will also describe the Rider, its cost, and its guaranteed benefits. The Rider may be invoked at any time, provided that the above conditions are met. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact on Other Riders and the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When this Rider is invoked, all other In Force Riders will terminate except the Additional Term Insurance Rider, if applicable. An election to invoke the Overloan Lapse Protection Rider is irrevocable. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Additionally, Nationwide will adjust the policy as follows: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If not already in effect, the death benefit option will be changed to Death Benefit Option 1. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Total Specified Amount will be adjusted to equal the lesser of: (1) the Total Specified Amount immediately before the Rider was invoked; or (2) the Total Specified Amount that will cause the Death Benefit to equal the Minimum Required Death Benefit immediately after the charge for the Rider is deducted. This "new" Total Specified Amount will be used to calculate the Death Benefit pursuant to </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">The Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> provision. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any non-loaned Cash Value (after deduction of the Overloan Lapse Protection Rider charge) will be transferred to the Fixed Account, where it will earn at least the minimum guaranteed fixed interest rate of the base policy (shown in the Policy Specification Pages). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the above adjustments are made, the Indebtedness will continue to grow at the policy's loan charged rate, and the amount in the policy loan account will continue to earn interest at the policy's loan crediting rate. No additional policy or Rider charges will be assessed. No further loans or partial surrenders may be taken from the policy. Cash Value may not be transferred out of the Fixed Account. The Death Benefit will be the greater of the Total Specified Amount or the Minimum Required Death Benefit. The policy will remain as described above for the duration of the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Invoking the Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value. For policies with Death Benefit Option 2 or 3 before the Rider is invoked, the Death Benefit after the Rider is invoked, Death Benefit Option 1, will provide a lower Death Benefit because of the loss of the Cash Value or Premium component respectively. Additionally, any benefits paid pursuant to this Rider will reduce the Cash Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume a policy is currently In Force and the following:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured’s Attained Age is 75</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Policy is in its 27th policy year</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death Benefit Option 1</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Total Specified Amount: $700,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Indebtedness: $627,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value: $660,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Applicable age-based factor for determining rider charge: 4.60%*</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">*</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rate is subject to change based on the policy</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, a decision to invoke the Rider would impact the policy as </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">follows:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The death benefit option will remain at Death Benefit Option 1.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The one-time charge for invoking the Rider will be $30,360 ($660,000 x 4.60%) and will </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">be deducted from the Cash Value, reducing the Cash Value to $629,640.</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The Total Specified Amount will remain at $700,000 since it is less than the Minimum </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">Required Death Benefit of $712,611.90. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:29.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The non-loaned Cash Value $2,640 ($629,640 - $627,000 will be transferred to the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">Fixed Account where it will earn at least the minimum guaranteed fixed interest rate.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy loan account ($627,000) will continue to earn interest at the policy's loan </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">crediting rate.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The Indebtedness ($627,000) will continue to grow at the policy's loan interest charged </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">rate.</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After this Rider is invoked, no other changes to the policy can be made.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Overloan Lapse Protection Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Overloan Lapse Protection Rider Charge is a one-time charge deducted at the time the Rider is invoked, and is assessed against the Cash Value allocated to the Sub-Accounts and the general account options. The charge is intended to cover the administrative costs and to compensate Nationwide for the risks associated with the Rider's guaranteed paid-up Death Benefit. The charge is the product of the policy's Cash Value and an age-based factor ranging from 0.15% to 4.75% as shown in the Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Cash Value less Indebtedness is insufficient to satisfy the charge, the Rider cannot be invoked without repaying enough Indebtedness to cover the charge.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Children's Term Insurance Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to underwriting approval, a Policy Owner may purchase term life insurance on the Insured's children at any time while the policy is In Force. If an insured child dies while the policy is In Force and before the Maturity Date, the policy pays a benefit to the named beneficiary. The insurance coverage for each insured child will continue (as long as the policy is In Force) until the earlier of: (1) the policy anniversary on or next following the date the Insured's child turns age 22; or (2) the policy anniversary on which the Insured reaches Attained Age 65. Subject to certain conditions specified in the Rider, the Rider may be converted into a policy on the life of the insured child without evidence of insurability. The Rider will be effective until the Rider's term expires, until the benefit is paid, the policy terminates, or until the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:68.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Children’s Term Insurance Rider Specified Amount is $15,000 and the Insured </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">has two children that meet the definition of insured child and the Rider is In Force. If one of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the children dies, $15,000 will be paid to the named beneficiary. The rider would continue to </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">remain in effect as long the second child meets the definition of insured child. Upon the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death of the second insured child, an additional $15,000 would be paid to the named </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">beneficiary as long as coverage under the Rider has not otherwise terminated.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Children’s Term Insurance Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Children's Term Insurance Rider Charge will be deducted if this Rider is elected. The Children’s Term Insurance Rider Charge compensates Nationwide for providing term insurance on the lives of each insured child. The Rider charge is $0.43 per $1,000 of the Children's Term Insurance Rider's Specified Amount and will be assessed as long as the policy is In Force and the Rider is in effect. The Rider charge will be the same, even if the number of children covered under the Rider changes. Nationwide may decline a request to add another child based on underwriting standards. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Children’s Term Insurance Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Children’s Term Insurance Rider Charge is deducted from the policy's Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Long-Term Care Rider II </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies with Insureds with Attained Ages between 21 and 80 and subject to Nationwide's underwriting approval, the Long-Term Care Rider II may be purchased at any time while the policy is In Force. Underwriting and approval of the Rider are separate and distinct from underwriting and approval of the policy and Additional Term Insurance Rider. Therefore, it is possible that the underwriting risk class for the Rider could differ from the policy and Additional Term Insurance Rider or that an Insured could qualify for the policy and Additional Term Insurance Rider and still be declined for this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">There is a right to cancel associated with the Rider. Within 30 days of receipt of the Rider, the Policy Owner may return it to the sales representative who sold it, or to the Service Center. The Rider will be void and related charges will be credited to the policy, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Right to Cancel (Examination Right)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">State regulation of long-term care benefits will result in differences in this Rider's name, covered services, criteria for eligibility of benefit payment, cost of insurance charge factors, maximum monthly benefit amounts, minimum monthly benefit amounts, and availability of minimum Death Benefit Proceeds, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Minimum Long-Term Care Rider II Death Benefit Proceeds.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> State variations are subject to change without notice at any time. Contact the Service Center to obtain a copy of the Rider applicable to the policy, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Rider II Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Rider is that, upon the Insured meeting certain eligibility requirements, the Policy Owner is paid a monthly benefit. Benefit payments represent an advance of a portion of the Base Policy Specified Amount that will ultimately reduce the Cash Surrender Value and Death Benefit. The benefits paid under this Rider are intended to be "qualified long-term care insurance" under federal tax law, and generally will not be taxable to the Policy Owner, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. See a tax advisor about the use of this rider. The benefit associated with the Rider may not cover all long-term care costs incurred. The Long-Term Care Rider II has no Cash Surrender Value and no loan value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Long-Term Care Specified Amount elected must be at least $100,000 and no more than the maximum dollar amount determined in underwriting and stated in the Policy Specification Pages. The maximum monthly benefit, which is determined by Nationwide at the time of benefit payment, will be the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an elected percentage, 2%, 3%, or 4% of Long-Term Care Specified Amount in effect; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">twice the applicable per diem amount allowed by the Health Insurance Portability and Accountability Act (HIPAA) multiplied by thirty; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">1/12 of the maximum lifetime long-term care benefit, which is the lesser of the Long-Term Care Specified Amount or the Base Policy Specified Amount minus Indebtedness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The maximum lifetime benefit and maximum monthly benefit are subject to change if there are changes to the Long-Term Care Specified Amount, Base Policy Specified Amount or Total Specified Amount, changes to the HIPAA per diem amount, or Indebtedness. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner may request to receive a monthly benefit less than the maximum monthly benefit subject to any minimum monthly benefit stated in the Policy Specification Pages. Choosing a lesser amount could extend the length of the benefit period of the Rider. However, the monthly benefit is not cumulative; taking less than the maximum monthly benefit in one month does not increase the benefit amount available in succeeding months. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:90.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Long-Term Care Specified Amount is $400,000 and the elected percentage is </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">3%. If the invocation requirements below are satisfied and the 90-day elimination period has </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">been satisfied, the Policy Owner can choose a monthly benefit up to 3% of the Long-Term </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Care Specified Amount ($400,000 x 3% = $12,000). If there is no Indebtedness, this </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly benefit will be paid until either the Insured no longer meets the eligibility </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">requirements or the entire $400,000 has been paid. If there is Indebtedness, monthly </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefits will end when the accumulated benefits become greater than or equal to the Base </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Specified Amount minus Indebtedness.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Invoking the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To invoke this Rider, the Insured must be certified by a licensed health care practitioner within the previous twelve months as: (1) having a severe cognitive impairment; or (2) unable to perform without substantial assistance at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving </span><span style="color:#000000;font-family:Arial;font-size:10pt;">into or out of bed, chair, or wheelchair) for a period of at least 90 days. The Insured must also be receiving qualified long-term care services specified in a plan of care submitted to Nationwide. At least every twelve months, the Insured must be recertified and an updated plan of care submitted. Nationwide has the right to verify that all of the criteria for eligibility have been satisfied, including review of the Insured's medical records and physical examinations of the Insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition, a 90-day waiting period beginning the day after the Insured begins receiving qualified long-term care services, referred to as an "elimination period," must be satisfied before benefits are paid. Benefits will not be retroactively paid for the elimination period. If the Insured does not require qualified long-term care services over a continuous 90 day period, separate periods may be accumulated to satisfy the elimination period, but must be accumulated within a continuous period of 730 days. The elimination period must be satisfied only once while the Rider is in effect. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The Rider does not provide benefits for chronic illness resulting from suicide attempts, the commission of felonies, alcoholism or drug addiction, or war. The Rider also does not cover preexisting conditions not disclosed in the application for the Rider if the need for services begins during the first six months after the Rider effective date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Long-Term Care Rider II on the Policy and other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the elimination period, while Long-Term Care Rider II benefits are being paid, the following are not permitted: loans, partial surrenders, changes to the Base Policy Specified Amount or Total Specified Amount, changes in underwriting classification, addition of other Riders, or changes in death benefit option. In addition, the following are applicable: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Waiver of the Long-Term Care Rider II Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Long-Term Care Rider II charge will be waived while Long-Term Care Rider II benefits are being paid; however, all other monthly deductions will continue to be charged as long as the policy’s Cash Surrender Value is sufficient. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Policy Lapse Protection</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: To the extent the policy's Cash Surrender Value is insufficient to cover all other monthly deductions while benefits are being paid under the Rider, all monthly deductions will be waived and the policy will not Lapse. This includes monthly deductions for other In Force Riders. Premium requirements for any death benefit guarantee feature of the policy or any elected Rider are not waived. Once the Long-Term Care Rider II benefit is no longer being paid, payment of additional Premium may be necessary to prevent the policy from Lapsing. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: If the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">is not</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> being kept In Force by the Rider's policy Lapse protection feature at the time of the Insured's death, the total amount of Rider benefits paid will be subtracted from the Base Policy Specified Amount or Cash Value in calculating the Death Benefit. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">is</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> being kept In Force by the Rider's policy Lapse protection feature at the time of the Insured's death, the Death Benefit will be calculated using the Long-Term Care Rider Specified Amount. This will reduce the Death Benefit, unless the Long-Term Care Rider Specified Amount equals the Base Policy Specified Amount. The total amount of Rider benefits paid will be subtracted from the Long-Term Care Specified Amount or Cash Value in calculating the Death Benefit. Additionally, no benefits will be paid under the Accidental Death Benefit Rider, if applicable. To avoid any reduction of the Death Benefit the Policy Owner can continue to pay sufficient Premium to keep the policy In Force without relying on the Policy Lapse Protection feature. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Reinstatement:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> In addition to the terms of reinstatement provided for under the policy, if the policy Lapses while this Rider is In Force and the Insured had cognitive impairment or loss of functional capacity, it may be reinstated within five months without submission of new proof of insurability. Payment of Premium is required as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Reinstatement</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Cash Surrender Value and Policy Loans</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Cash Surrender Value and the amount available for partial surrenders and policy loans will be reduced by the total amount of long-term care benefits paid at the time a request is received. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Specified Amount Decreases: Decreases in the Base Policy Specified Amount or Total Specified Amount will result in a corresponding decrease in the Long-Term Care Specified Amount if the Base Policy Specified Amount or Total Specified Amount would otherwise be less than the Long-Term Care Specified Amount after the decrease. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accelerated Death Benefit for Terminal Illness Rider: The total amount of long-term care benefits paid will be subtracted from the Death Benefit amount available to be accelerated if the Insured is terminally ill. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accelerated Death Benefit for Chronic Illness Rider: If this Rider is issued on the Policy Date, the Accelerated Death Benefit for Chronic Illness Rider is not available. If the Accelerated Death Benefit for Chronic Illness Rider is issued with the policy and this Rider is later applied for and issued, the Accelerated Death Benefit for Chronic Illness Rider will terminate and cannot be re-added to the policy even if this Rider is later terminated. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accelerated Death Benefit for Critical Illness Rider: The total amount of long-term care benefits paid will be subtracted from the Death Benefit amount available to be accelerated if the Insured is critically ill. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Written notice of a claim must be given within 30 days after the Insured begins receiving qualified long-term care services. Written proof of claim, consisting of detailed documentation that describes and confirms the Insured is chronically ill and is receiving qualified long-term care services, must be given within 90 days. If Nationwide approves a claim, the benefit payable does not depend on the actual cost of qualified long-term care services received. The Policy Owner can elect to receive a monthly benefit of any amount between the minimum and maximum monthly benefit for the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If Nationwide determines that a benefit trigger has not been met, it will follow internal and external review processes consistent with applicable laws and regulations in the state of issue. The Policy Owner must give immediate notice when the receipt of qualified long-term care services has ceased or is no longer required. Nationwide, at its own expense, has the right to have the Insured examined as often as it may reasonably require while Long-Term Care Rider II benefits are being paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide may contest claims payments under the Rider for misrepresentations made in the application for the Rider, an application for an increase of the Long-Term Care Specified Amount, or an application to reinstate the Rider after a Lapse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Referral Service </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Rider is elected, the Policy Owner will have access to a national long-term care services referral network via a toll-free telephone number. Services provided include free consultation and tailored information to assist in implementing a plan of care. There is no obligation to use these services which are currently provided through a third party paid for by Nationwide. There is no separate additional charge for this service. This service is subject to availability and may be modified, suspended, or discontinued at any time upon 30 days written notice. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Terminating the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider will terminate when the policy reaches its original Maturity Date, the Insured dies, the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked, the policy is terminated, or the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider benefits will no longer be available, except as described below, and the Rider charge will no longer be assessed. However, the total amount of Rider benefits paid prior to termination will continue to be used in calculation of other policy benefits, as described above. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Long-term care benefits can be claimed after termination, if the Insured was receiving care in a long-term care facility on the date of termination. Eligibility and claims requirements must be met. Payments will end when the maximum lifetime long-term care benefit has been paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Rider II Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly charge is deducted from the Cash Value if this Rider is elected. The charge compensates Nationwide for providing long-term care benefits upon the Insured meeting certain eligibility requirements. The Rider charge is the product of a per $1,000 of Long-Term Care Specified Amount charge rate and the Long-Term Care Specified Amount. Each increase of the Long-Term Care Specified Amount will have its own associated charge rate. The long-term care cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;">of insurance rates are based on Nationwide’s expectations as to the Insured’s potential need for long-term care over time and will vary by the Insured's sex, Issue Age, the effective date of coverage, elected maximum monthly benefit determination percentage, underwriting classification, any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Long-Term Care Rider II Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Rider charge is deducted from the Cash Value, electing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Long-Term Care Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider is only available for new or In Force policies in states where the Long-Term Care Rider II is not approved. Contact the Service Center for information regarding availability. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to availability and Nationwide's underwriting approval, the Long-Term Care Rider may be purchased at any time while the policy is In Force. If purchased six months or more after the Policy Date, Nationwide will require new evidence of insurability. Underwriting and approval of the Long-Term Care Rider are separate and distinct from underwriting and approval of the policy and Additional Term Insurance Rider. Therefore, it is possible that the underwriting risk class for the Long-Term Care Rider could differ from the policy and Additional Term Insurance Rider or that an Insured could qualify for the policy and Additional Term Insurance Rider and still be declined for the Long-Term Care Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">There is a right to cancel associated with this Rider. Within 30 days of receipt of the Rider, the Policy Owner may return it to the sales representative who sold it, or to the Service Center. The Rider will be void and related charges will be refunded as a credit to the policy, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Right to Cancel (Examination Right)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">State regulation of long-term care benefits will result in differences in this Rider's name, covered services, criteria for eligibility of benefit payment, cost of insurance charge factors, maximum monthly benefit amounts, minimum monthly benefit amounts, and availability of the 10% residual Death Benefit. State variations are subject to change without notice at any time. Contact the Service Center to obtain a copy of the Long-Term Care Rider applicable to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Rider Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Long-Term Care Rider is that, upon the Insured meeting certain eligibility requirements, the Policy Owner is paid a monthly benefit to assist with the Insured’s expenses associated with nursing home care or home health care. Benefit payments represent an advance of a portion of the Total Specified Amount which will ultimately reduce the Cash Surrender Value and Death Benefit. The Long-Term Care Rider has no Cash Surrender Value and no loan values. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Long-Term Care Specified Amount elected must be at least 10% of the Total Specified Amount and no more than 100% of the Total Specified Amount. The maximum monthly benefit, which is determined by Nationwide at the time a request for benefits under the terms of the Rider is submitted, will be the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">2% of Long-Term Care Specified Amount in effect; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the per diem amount allowed by the Health Insurance Portability and Accountability Act times the number of days in the month. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The maximum lifetime benefit under any combination of home health care benefits and long-term care facility benefits is equal to the lesser of the Long-Term Care Specified Amount or the Total Specified Amount minus Indebtedness. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner may request to receive a monthly benefit less than the maximum subject to any minimum monthly benefit. Choosing a lesser amount could extend the length of the benefit period of the Long-Term Care Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Decreases in the Total Specified Amount will result in a corresponding decrease in the Long-Term Care Specified Amount only if the Total Specified Amount is less than the Long-Term Care Specified Amount after the decrease. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:79.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Long-Term Care Specified Amount is $500,000. If the invocation requirements </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">below are satisfied and the 90-day elimination period has been satisfied, the Owner can </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">choose a monthly benefit up to 2% of the Long-Term Care Specified Amount ($10,000). If </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">there is no Indebtedness, this monthly benefit will be paid until either the Insured no longer </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">meets the eligibility requirements or the entire $500,000 has been paid. If there is </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness, monthly benefits will end when the accumulated benefits become greater </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">than or equal to the Long-Term Care Specified Amount minus Indebtedness.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Invoking the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To invoke this Rider, the Insured must be certified by a licensed health care practitioner as: (1) having a severe cognitive impairment or (2) unable to do at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair) for a period of at least 90 days. The Insured must also be receiving qualified long-term care services specified in a plan of care submitted to Nationwide. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition, a 90-day waiting period, referred to as an "elimination period," must be satisfied before benefits are paid. Benefits will not be retroactively paid for the elimination period. The elimination period can be satisfied by any combination of days of long-term care facility stay or days of home health care, as those terms are defined in the Rider. These days of care or services need not be continuous, but must be accumulated within a continuous period of 730 days. The elimination period has to be satisfied only once while the Rider is in effect. The benefit associated with the Rider may not cover all long-term care costs incurred. The benefits paid in association with the Rider are intended to be "qualified long-term care insurance" under federal tax law, and generally will not be taxable to the Policy Owner, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. See a tax advisor about the use of this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The Rider does not provide benefits for chronic illness resulting from suicide attempts, the commission of felonies, alcoholism or drug addiction, non-organic mental or psychoneurotic disorders, or war. The Rider also does not cover preexisting conditions not disclosed in the application if the need for services begins during the first six months after the Rider effective date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Long-Term Care Rider on the Policy and other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the elimination period, while Long-Term Care Rider benefits are being paid, the following are not permitted: loans, partial surrenders, changes to the Base Policy Specified Amount or Total Specified Amount, changes in underwriting classification, addition of other Riders, or changes in death benefit option. In addition, the following are applicable: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Waiver of the Long-Term Care Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Long-Term Care Rider charge will be waived while Long-Term Care Rider benefits are being paid; however, all other monthly deductions will continue to be charged as long as the policy’s Cash Surrender Value is sufficient. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Policy Lapse Protection</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: To the extent the policy's Cash Surrender Value is insufficient to cover all other monthly deductions while benefits are being paid under the Rider, all monthly deductions will be waived and the policy will not Lapse. This includes monthly deductions for other In Force Riders. Premium requirements for any death benefit guarantee feature of the policy or any elected Rider are not waived. Once the Long-Term Care Rider benefit is no longer being paid, additional Premium may be necessary to prevent the policy from Lapsing. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The total amount of Rider benefits paid will be subtracted from the Total Specified Amount in calculating the Death Benefit. If the remaining Death Benefit is less than 10% of: the Base Policy Specified Amount minus any Indebtedness when the Insured dies and the Rider is In Force, a residual Death Benefit of: 10% of the Base Policy Specified Amount minus any Indebtedness will be paid. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Cash Surrender Value and Policy Loans</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Cash Surrender Value and the amount available for partial surrenders and policy loans will be reduced by the total amount of Long-Term Care benefits paid at the time a request is received. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Specified Amount Decreases</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: Decreases in the Base Policy Specified Amount or Total Specified Amount will result in a corresponding decrease in the Long-Term Care Specified Amount if the Base Policy Specified Amount or Total Specified Amount would otherwise be less than the Long-Term Care Specified Amount after the decrease. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Accelerated Death Benefit for Terminal Illness Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The total amount of long-term care benefits paid will be subtracted from the Death Benefit amount available to be accelerated if the Insured is terminally ill. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Terminating the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider will terminate when the policy matures, the Insured dies, the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked, the policy is terminated, or the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Referral Service </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Rider is elected, the Policy Owner will have access to a national long-term care services referral network via a toll-free telephone number. Services provided include free consultation and tailored information to assist in implementing a plan of care. There is no obligation to use these services which are currently provided through a third party paid for by Nationwide. There is no separate additional charge for this service. This service is subject to availability and may be modified, suspended, or discontinued at any time upon 30 days written notice. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Written notice of a claim must be given within 30 days after the Insured begins receiving qualified long-term care services. Written proof of claim, consisting of detailed documentation that describes and confirms the Insured is chronically ill and is receiving qualified long-term care services, must be given within 90 days. If Nationwide approves a claim, the benefit payable does not depend on the actual cost of qualified long-term care services received. The Policy Owner can elect to receive a monthly benefit of any amount between the minimum and maximum monthly benefit for the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If Nationwide determines that a benefit trigger has not been met, it will follow internal and external review processes consistent with applicable laws and regulations in the state of issue. The Policy Owner must give immediate notice when the receipt of qualified long-term care services has ceased or is no longer required. Nationwide, at its own expense, has the right to have the Insured examined as often as it may reasonably require while Long-Term Care Rider benefits are being paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide may contest claims payments under the Rider for misrepresentations made in the application for the Rider, an application for an increase of the Long-Term Care Specified Amount, or an application to reinstate the Rider after a Lapse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly charge is deducted from the Cash Value if this Rider is elected. The charge compensates Nationwide for providing long-term care benefits upon the Insured meeting certain eligibility requirements. The Rider Charge is the product of a long-term care cost of insurance rate and the lesser of the Long-Term Care Rider's Specified Amount and the policy's Net Amount At Risk. The long-term care cost of insurance rate is based on Nationwide’s expectations as to the Insured’s potential need for long-term care over time and will vary by the Insured's sex, Attained Age (in some states Issue Age), underwriting class, and any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Long-Term Care Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Rider Charge is deducted from the Cash Value, electing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value. Additionally, any benefits paid pursuant to this Rider will reduce the Cash Surrender Value and Death Benefit.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Spouse Life Insurance Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Spouse Life Insurance Rider is a death benefit payable upon the death of the spouse named on the application ("Insured Spouse") to the designated beneficiary. If no beneficiary is designated, the benefit is payable to the Insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed on or after May 1, 2020,</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> the Spouse Life Insurance Rider is no longer available for election for new issues or post-issue election. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed prior to May 1, 2020,</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> this Rider may be purchased at any time while the policy is In Force, subject to underwriting approval and the following age restrictions: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Insured must be between Attained Age 21 and 59 (this Rider is no longer available on or after the policy anniversary on which the Insured reaches Attained Age 59); and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Insured Spouse must be between Attained Age 18 and 69 at the time this Rider is elected. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider will terminate on the earliest of: the policy anniversary on which the Insured Spouse reaches Attained Age 70, the date the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked, the date the Rider is converted to a new policy, the date the policy matures or otherwise terminates, or the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received in good order, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider has a conversion right. The Insured Spouse may exchange this Rider's benefit for a level Premium, level benefit, permanent plan of whole life insurance, subject to limitations.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon conversion, the Cash Value of the policy to which this Rider is attached will not be affected. No evidence of the Insured Spouse’s insurability is required for conversion. The following are required to exercise this conversion right: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the request must be submitted in writing to the Service Center; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the conversion right must be exercised while both: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the policy and Rider are In Force and not in a Grace Period (if the Insured under the policy dies anytime while this policy and Rider are In Force, the conversion must be applied for within 90 days after Nationwide receives proof of death for the Insured); and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">prior to the Rider anniversary date on which the Insured Spouse reaches Attained Age 66; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the amount of coverage available for any new policy purchased under this right of conversion is subject to the following: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the coverage amount of the new policy must be for the greater of $10,000 or the minimum amount available for the new policy under Nationwide’s policy issuance guidelines at the time; but </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">no more than 100% of the Spouse Life Insurance Rider Specified Amount; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the new policy must be for a plan of insurance Nationwide is issuing on the date of conversion; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Premium for the new policy will be based on the rates in effect on the date of conversion; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Premium rate for the new policy will be based on the Attained Age of the Insured Spouse on the date of conversion, the same class of risk as this Rider, if available, and the rates in use at that time. If this Rider's risk class is not available for the new policy, the next best risk class available will apply; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">no supplemental benefits or additional coverage may be added without evidence of the Insured Spouse's insurability and Nationwide’s consent. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The effective date of the new policy will be the date of conversion. The incontestability and suicide periods of the new policy will start on the effective date of this Rider.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:68.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume wife (the Insured) purchased a policy and elected the Spouse Life Insurance Rider </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">with a Spouse Life Insurance Rider Specified Amount of $50,000 and named husband as </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Insured Spouse. Both the Insured and Insured Spouse met the age requirements for the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider at the time of election. If Insured Spouse dies prior to reaching Attained Age 70 and </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Rider has not otherwise terminated, a death benefit in the amount of $50,000 is payable </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to the designated beneficiary.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Spouse Life Insurance Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Rider charge is deducted if this Rider is elected. The Spouse Life Insurance Rider Charge compensates Nationwide for providing term insurance on the life of the Insured Spouse. The Rider charge is the product of the Spouse Life Insurance Rider's Specified Amount and the Insured Spouse life insurance cost of insurance rate. The Insured Spouse life insurance cost of insurance rate is based on Nationwide’s expectations as to the mortality of the Insured Spouse. The Insured Spouse life insurance cost of insurance rate will vary by the Insured Spouse's sex, Attained Age, underwriting class, any Substandard Ratings, and the Spouse Life Insurance Rider's Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Spouse Life Insurance Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Spouse Life Insurance Rider Charge is deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value. Decreases in the Base Policy Specified Amount may result in a corresponding decrease in the Spouse Life Insurance Rider's Specified Amount.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Accelerated Death Benefit for Terminal Illness Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider is automatically issued with the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Accelerated Death Benefit for Terminal Illness Rider is the ability to accelerate receipt of a portion of the Base Policy Specified Amount in the form of a one-time, lump sum, advance payment if the Insured has a terminal illness. A terminal illness is a non-correctable illness diagnosed by a licensed physician where the Insured’s remaining life expectancy is 12 months or less (24 months or less in some states). The TI Accelerated Death Benefit Payment can be used for any purpose. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The receipt of accelerated death benefits may be taxable. The eligibility of the recipient to receive Medicaid or other government provided benefits may be adversely impacted. Prior to accepting accelerated death benefits, a tax advisor and applicable social service agencies should be consulted. The following restrictions on coverage apply to the Rider: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider only applies to coverage on the Insured under the base policy. It does not apply to any available Riders or insureds named under such Riders.</span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The effective date of the Rider must be at least two years before the Maturity Date. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Benefit amounts to be accelerated must not be subject to the policy’s incontestability period (two years from the date coverage is effective). </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Requested Percentage must not exceed fifty percent (50%) of the Base Policy Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Base Policy Specified Amount after processing of the acceleration request on the Rider effective date must be greater than or equal to the minimum Base Policy Specified Amount for the policy. In addition, Nationwide reserves the right to require the remaining Base Policy Specified Amount to be at least $50,000 after processing of the acceleration request on the Rider effective date. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the TI Accelerated Death Benefit Payment must be at least $10,000 and cannot exceed $250,000. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A signed acknowledgment of concurrence with the payment must be received from all assignees, irrevocable beneficiaries, and other interested parties under the policy. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Accelerated Death Benefit for Terminal Illness Rider may not be used if it is subject under law to the claims of any creditors. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the TI Accelerated Death Benefit Payment is made, policy values including Base Policy Specified Amount, Cash Value, Indebtedness (if any), required Premium (if any), and policy charges WILL BE REDUCED on the Rider effective date. The Base Policy Specified Amount will be reduced by an amount equal to the Base Policy Specified Amount multiplied by the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">requested benefit percentage. The Cash Value and other policy values will be reduced in the same proportion as the Base Policy Specified Amount. Consequently, policy values on which other policy features and benefits available under other Riders are based will also be reduced. Nationwide will provide a Rider specification page that shows the effect of the TI Unadjusted Accelerated Death Benefit Payment on policy values. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Terminal Illness Rider on other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Chronic Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for chronic illness at the same time, benefits will first be payable under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Critical Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for critical illness at the same time, benefits will first be payable under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">At any time when a terminal illness benefit payment has been paid, the dollar amount of monthly charge deductions waived will be calculated using the reduced Base Policy Specified Amount and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Overloan Lapse Protection </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon invoking the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider, this Rider will terminate. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Terminal Illness Rider Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Two charges are assessed in connection with the Rider at the time the benefit payment is processed: an Administrative Expense Charge and a Rider Charge. The Administrative Expense Charge will be deducted from the TI Unadjusted Accelerated Death Benefit Payment to compensate Nationwide for claims processing and other administrative expenses. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider Charge has two components: the interest rate discount component and the risk charge component. The risk charge component is not applicable in some states. The interest rate discount compensates Nationwide for acceleration of the payment of the Base Policy Specified Amount. It adjusts the Base Policy Specified Amount to its present value. The interest rate discount is shown on the Rider specification page. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The interest rate used for the interest rate discount component will never be greater than 8%. The interest rate is calculated using the greater of: (1) the current yield on 90-day treasury bills; or (2) the Moody’s Corporate Bond Yield Average – Monthly. In the event that Moody’s Corporate Bond Yield Average - Monthly is no longer published, Nationwide will use a substantially similar average, established by the applicable state’s insurance Commissioner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The risk charge component of the Rider Charge reflects the premature payment of a portion of the policy’s Death Benefit, Cost of Insurance Charge, and other policy charges that would have been due for coverage corresponding to the TI Accelerated Death Benefit Payment during the 12-month period following the Rider effective date. The risk charge component also covers the risk that the Insured might live longer than a 12-month period. The risk charge component is equal to the TI Unadjusted Accelerated Death Benefit Payment times the risk charge percentage shown on the Rider specification page. The maximum risk charge percentage is 3.6%. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider provides a ten day right to cancel (examination right). If the Rider is canceled and the benefit payment is returned, the Rider charges will be refunded to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Calculation of the Accelerated Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When making a claim for acceleration of the Death Benefit, a Policy Owner must elect a percentage of the Base Policy Specified Amount to receive. This elected percentage of the Base Policy Specified Amount is referred to as the "Requested Percentage." </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The net amount of the accelerated Death Benefit is determined by taking the product of the Requested Percentage and Base Policy Specified Amount and then subtracting: (1) the Rider Charge; (2) Administrative Expense Charge; (3) the product of the Requested Percentage and Indebtedness, and (4) any unpaid Premium if applicable. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit is calculated in accordance with the formula below:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[RP (SA)] – [RC + (RP x OPL) + UP + AEC]</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">TI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">RP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Requested Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount at the time the benefit is calculated</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">RC</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider charge</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">OPL</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">outstanding policy loans on the date the benefit is calculated</span></div></div></td></tr> <tr style="height:27pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">any unpaid Premium which is the amount of any Premium that might be due or payable if the policy is in a </span></div> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grace Period on the date the benefit is calculated</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">AEC</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Administrative Expense Charge</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:50pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Base Policy Specified Amount is $100,000, the Cash Value (CV) is $42,000, </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and the Requested Percentage (RP) of the Base Policy Specified Amount is 50%. Also </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">assume Indebtedness in the amount of $10,000, unpaid Premium of $500, an aggregate </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider charge of $3,500, and an Administrative Expense Charge of $250.</span></div></div></td></tr> <tr style="height:28pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, here is how the TI Accelerated Death Benefit (ADB) would </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">be calculated.</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[50% x $100,000)] – [$3,500 + (50% x $10,000) + $500 + $250]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[$50,000] – [$3,500 + $5,000 + $500 + $250]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[$50,000] – [$9,250]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$40,750</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;vertical-align:Top;width:420.0pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:28pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The reduction factor for calculating the remaining Base Policy Specified Amount and Cash </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is calculated as (1 – RP). (1 - .5) = .5</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;vertical-align:Top;width:420.0pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.5 x $100,000 = $50,000 the remaining Base Policy Specified Amount</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.5 x $42,000 = $21,000 the remaining Cash Value</span></div></div></td></tr> <tr style="height:13.5pt;"> <td colspan="3" style="background-color:#CCCCCC;vertical-align:Top;width:420.0pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement providing all of the values necessary to perform the calculation above at a particular point in time and a projection of impacts to policy values is available upon request by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility and Conditions for Payment </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The following eligibility and conditions apply for payment under the Rider: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider only applies to the single Insured under the base policy. The accelerated Death Benefit coverage does not apply to any insurance provided by elected Riders. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Requests for an application for the accelerated Death Benefit under the Rider must be received at the Service Center. Once Nationwide receives the request for an application, the forms necessary for filing a claim for the TI Accelerated Death Benefit Payment will be provided. Nationwide must receive the application for benefits under the Rider at the Service Center in writing. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide must receive satisfactory evidence that the Insured has a terminal illness as defined in the Rider. Satisfactory evidence includes a certification from a physician licensed in the United States that the Insured has a non-correctable terminal illness as defined in the Rider. A certifying physician cannot be the Insured, Policy Owner, beneficiary or a relative of any of these parties. Nationwide may obtain additional medical opinions and may choose to rely on the opinion of a physician acceptable to both parties, to the exclusion of the Insured’s certifying physician, to determine whether the terminal illness condition is satisfied.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Accelerated Death Benefit for Chronic Illness Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with this Rider is that, subject to the Insured meeting the eligibility requirements and Nationwide’s approval of a claim, the Policy Owner can request to be paid a lump sum of up to 20% of the CI Eligible Specified Amount once in any twelve-month period, subject to annual and lifetime dollar amount limitations on the available CI Unadjusted Accelerated Death Benefit Payment defined in the Rider and Policy Specification Pages. The CI Eligible Specified Amount, maximum annual and remaining lifetime CI Unadjusted Accelerated Death Benefit Payment and the maximum amount by which the Base Policy Specified Amount can be reduced and are subject to change if there are changes to Base Policy Specified Amount, change of Death Benefit option in effect, and/or payment of accelerated death benefits from other Riders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Chronic illness benefit payments represent an advance of a portion of the Base Policy Specified Amount that will ultimately reduce the Cash Value, Cash Surrender Value, Base Policy Specified Amount, and Death Benefit. A Policy Owner may request a CI Unadjusted Accelerated Death Benefit Payment less than the maximum available amount. Choosing an amount less than the available maximum could extend the length of time over which the benefit is available. However, the maximum annual benefit is not cumulative; taking less than the maximum benefit in one year does not add the difference to the maximum annual benefit amount available in succeeding years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The receipt of accelerated death benefits may be taxable, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. The eligibility of the recipient to receive Medicaid or other government provided benefits may be adversely impacted. Prior to accepting accelerated death benefits, a tax advisor and applicable social service agencies should be consulted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies with applications signed on or after May 1, 2021 or the date of state availability whichever is later, this Rider will be issued on the Policy Date with any policy that is not issued with the Long-Term Care Rider II and for which the Insured’s Attained Age is between 18 and 65 and they meet Nationwide’s underwriting requirements for this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider is only available for issue on the Policy Date. If this Rider is issued with the policy and the Policy Owner later applies for and is issued the Long-Term Care Rider II, this Rider will terminate. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility Requirements </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To invoke this Rider, the Insured must be certified by a licensed health care practitioner within 30 days prior to submitting a claim as: (1) having a severe cognitive impairment; or (2) unable to perform without substantial assistance at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair); and (3) being expected to need substantial supervision to protect the Insured from threats to health and safety due to cognitive impairment for the remainder of their life or substantial assistance with activities of daily living for the remainder of their life. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition, a 90-day waiting period beginning the day the Insured is certified must be satisfied for the first claim and for any subsequent claim that is submitted more than 90 calendar days after the anniversary of the most recent prior chronic illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Proof of care services received or expenses incurred is not required. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide has the right to verify that all criteria for eligibility have been satisfied, including review of the Insured's medical records and physical examinations of the Insured. Additionally, the following limitations on eligibility apply: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the condition a claim is based on must not be the result of an intentionally self-inflicted injury or attempted suicide, while sane or insane; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">applicable law must not require this benefit to meet the claims of creditors, whether in bankruptcy or otherwise; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Owner must not be required by a government agency to claim this benefit in order to apply for, obtain, or keep a government benefit or entitlement; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide must have received a signed acknowledgment of concurrence with the payment from all assignees, irrevocable beneficiaries, or other parties with an interest in the policy; and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the policy must not be disqualified as life insurance as defined in the Internal Revenue Code, as amended, as a result of the chronic illness benefit payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Chronic Illness Benefit Payment Calculation – Administrative Charge and Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A benefit payment under this Rider is equal to the CI Unadjusted Accelerated Death Benefit Payment on the applicable chronic illness benefit payment date minus the following charge and deductions in the order listed: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Rider’s administrative charge to compensate Nationwide for claims processing and other administrative expenses. The guaranteed maximum Rider administrative charge is $250; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any due and unpaid Premium and/or policy charges if the policy is in a Grace Period, which will be applied to the policy as Premium to pay the due and unpaid Premium and/or policy charges; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a portion of the CI Unadjusted Accelerated Death Benefit Payment equal to any Indebtedness multiplied by, the number one minus the CI Proportional Reduction Percentage, which will be applied as a loan repayment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement will be provided at the time of a claim stating the applicable Rider administrative charge, other deductions from the CI Unadjusted Accelerated Death Benefit Payment, and amount of the CI Accelerated Death Benefit Payment, as described above</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Chronic Illness Rider on the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Prior to processing the Rider’s benefit payment on the first chronic illness benefit payment date, if the death benefit option in effect is not Death Benefit Option 1 (level), it will be changed to Death Benefit Option 1 (level). The death benefit option is not permitted to be changed at any time after the first chronic illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">On each chronic illness benefit payment date, the Base Policy Specified Amount will be reduced by subtracting a dollar amount equal to the CI Unadjusted Accelerated Death Benefit Payment multiplied by a factor that is the lesser of the applicable guaranteed maximum Base Policy Specified Amount reduction factor stated in the Policy Specification Pages or a non-guaranteed Base Policy Specified Amount reduction factor determined by Nationwide. The result of this calculation will be reduction of the Base Policy Specified Amount by more than the CI Unadjusted Accelerated Death Benefit Payment Amount. Therefore, the total amount of benefit received if this Rider is invoked, Death Benefit Proceeds plus CI Accelerated Death Benefit Payments, will be less than the Death Benefit Proceeds that could be received if this Rider is not invoked. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The non-guaranteed Base Policy Specified Amount reduction factor determined by Nationwide will be calculated so that the CI Accelerated Death Benefit Payment will be at least equal to the reduction to the Cash Surrender Value resulting from payment of a claim, using: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a mortality assumption which may vary by the Attained Age and sex of the Insured; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an interest rate that will not exceed the greater of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the then current yield on 90-day treasury bills available on the applicable chronic illness benefit payment date; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the then current maximum adjustable policy loan interest rate based on applicable state insurance law limits and the Moody’s Corporate Bond Yield Average – Monthly published by Moody’s Investor Service, Inc., or successor thereto, for the calendar month ending two months before the applicable chronic illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The non-guaranteed Base Policy Specified Amount reduction factor will be determined at the time a claim is processed using Nationwide’s then current expectations for mortality for the Insured’s Attained Age and sex and then current interest rates. Higher expected mortality results in a lower non-guaranteed Specified Amount Reduction Factor. Higher interest rates at the time a claim is processed result in a higher non-guaranteed Specified Amount Reduction </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Factor. Nationwide uses a non-guaranteed Base Policy Specified Amount reduction factor to manage its risk in paying a portion of the Death Benefit prior to the Insured’s death while potentially providing a more favorable factor than could be offered if it was guaranteed on the Policy Date. The lower the Base Policy Specified Amount reduction factor used, the greater the CI Accelerated Death Benefit Payment. The applicable non-guaranteed Base Policy Specified Amount reduction factor can be obtained by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">On a guaranteed basis factors used to reduce the Base Policy Specified Amount will generally be lower as the Insured’s Attained Age increases, which may result in a smaller reduction of the Base Policy Specified Amount for the same CI Unadjusted Accelerated Death Benefit Payment taken at a later Attained Age. However, on a current basis the Base Policy Specified Amount reduction factor calculation can increase or decrease from one year to the next. Contact Nationwide for information about the Base Policy Specified Amount reduction factor applicable to the Insured at any time, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement will be provided at the time of a claim stating the amount of the applicable Base Policy Specified Amount reduction factor and the impact of taking the CI Accelerated Death Benefit Payment on policy values. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a claim for a chronic illness benefit payment is approved by Nationwide, each of the following policy elements are proportionally reduced by multiplying them by the CI Proportional Reduction Percentage: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">if greater than zero, any Cash Value in the order for partial surrenders, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Partial Surrender</span><span style="color:#000000;font-family:Arial;font-size:10pt;">; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any required Premium for the policy, policy features, and any other attached Riders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any other policy charges and policy values in effect at the time the request for payment is processed may change to reflect the new Base Policy Specified Amount, and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Partial Surrenders and Indebtedness on Rider Benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Taking partial Surrenders may reduce the Base Policy’s Specified Amount, the CI Eligible Specified Amount, and the maximum annual and lifetime CI Unadjusted Accelerated Death Benefit Payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Outstanding Indebtedness on the date a CI Accelerated Death Benefit Payment is calculated will reduce the amount of the CI Accelerated Death Benefit Payment, because a portion of any CI Unadjusted Accelerated Death Benefit Payment will be applied as a policy loan repayment. If Indebtedness is great enough, it may result in the entire CI Unadjusted Accelerated Death Benefit Payment, after deduction of the Rider administrative charge and any unpaid Premium or policy charges, being applied as a policy loan repayment. If, after deduction of the Rider administrative charge and any unpaid Premium or Policy charges, Indebtedness remains after application of the entire CI Unadjusted Accelerated Death Benefit Payment as a policy loan repayment, an additional policy loan repayment or Premium payment may be required to keep the policy In Force. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Chronic Illness Rider on other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Terminal Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for terminal illness at the same time, benefits will first be payable under the rider that accelerates the Death Benefit for terminal illness. Any chronic illness benefit payment payable will be based on the CI Eligible Specified Amount after reduction for payment of the accelerated Death Benefit for terminal illness. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Critical Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for critical illness at the same time, benefits will first be payable under the Rider that accelerates the Death Benefit for critical illness. Any CI Accelerated Death Benefit Payment payable will be based on the CI Eligible Specified Amount after reduction for payment of the accelerated Death Benefit for critical illness. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">At any time when chronic illness benefit payments have been paid, the dollar amount of monthly charge deductions waived will be calculated using the reduced Base Policy Specified Amount and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Overloan Lapse Protection </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon invoking the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider, this Rider will terminate.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide requires written proof of claim, consisting of detailed documentation that describes and confirms the Insured is chronically ill and is expected to need substantial supervision to protect the Insured from threats to health and safety due to cognitive impairment or substantial assistance with at least two activities of daily living for the remainder of their life. If Nationwide determines that a benefit trigger has not been met, it will follow internal and external review processes consistent with applicable laws and regulations in the state of issue. Nationwide reserves the right to require that the Insured, at their own expense for any necessary travel, be physically present in the United States, its territories or possessions, at the time of obtaining a written certification and at the time any medical opinions and physical examinations are obtained. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon receiving notice of a claim, a disclosure statement will be provided projecting the amount of the applicable Base Policy Specified Amount reduction factor and the impact of taking the CI Accelerated Death Benefit Payment on policy values. Within 30 days of receiving a CI Accelerated Death Benefit Payment, the Policy Owner may return it to the Service Center. The CI Accelerated Death Benefit Payment and related charges will be credited to the policy, and any related changes to the policy will be reversed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Terminating the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider terminates on the earliest of the following: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Monthaversary on or next following the date Nationwide receives the Policy Owner’s written request to terminate this Rider or add a rider that provides long-term care benefits; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">upon termination of the policy to which this Rider is attached; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an overloan lapse protection Rider, if applicable, is invoked; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Insured’s date of death. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Termination of this Rider, except due to a full surrender of the policy, will not prevent the payment of any accelerated Death Benefits for a chronic illness that occurred while this Rider was In Force, except when amounts have been paid or are payable as the Death Benefit. If termination of this Rider is due to a full surrender of the policy, no benefit will be payable under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Calculation of the Accelerated Death Benefit for Chronic Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The CI Accelerated Death Benefit Payment, reduced Base Policy Specified Amount, and reduced Cash Value are calculated in accordance with the formulas and example below: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Base Policy Specified Amount after payment of the CI Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">– Upmt * SARF</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount after payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount prior to payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UPmt</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Unadjusted Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SARF</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount reduction factor</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the CI Proportional Reduction Percentage:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Proportional Reduction Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount after payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount prior to payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[UPmt] – [AC + (1 – PRP) x OPL + UP]</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UPmt</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Unadjusted Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">AC</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Proportional Reduction Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">OPL</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness on the date the benefit is calculated</span></div></div></td></tr> <tr style="height:25pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UP</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">any unpaid Premium which is the amount of any Premium that might be due or payable if the policy is in a </span></div> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grace Period on the date the benefit is calculated</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Cash Value after payment of the CI Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> x PRP</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value after payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value prior to payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Proportional Reduction Percentage</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:50pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Base Policy Specified Amount is $500,000 and the CI Unadjusted Accelerated </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit Payment is $100,000. Also assume a Cash Value of $40,000, Indebtedness </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in the amount of $10,000, unpaid Premium of $500 and a Rider administrative charge of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$250. The Base Policy Specified Amount reduction factor in this example is 1.5.</span></div></div></td></tr> <tr style="height:39pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, the CI Accelerated Death Benefit Payment, the actual net </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit amount that Nationwide will pay, and reduction to the Base Policy Specified Amount </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and Cash Value are calculated as follows:</span></div></div></td></tr> <tr style="height:28pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Calculate the Base Policy Specified Amount after payment of the CI Accelerated Death </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$500,000 - $100,000 x 1.5</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$350,000</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Calculate the CI Proportional Reduction Percentage:</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">PRP</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">[($500,000 – $100,000 x 1.5) / $500,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$350,000 / $500,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">0.7</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Calculate the CI Accelerated Death Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$100,000 – [$250 + (1 – 0.7) x $10,000+ $500]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$100,000 – [$250 + $3,000 + $500]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$100,000 – $3,750</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$96,250</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Calculate the Cash Value after payment of the CI Accelerated Death Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$40,000 x 0.7</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$28,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement providing all of the values necessary to perform the calculation above at a particular point in time and a projection of impacts to policy values is available upon request by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Accelerated Death Benefit for Critical Illness Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with this Rider is that, subject to the Insured meeting the eligibility requirements and Nationwide’s approval of a claim, the Policy Owner can request to be paid a lump sum of the lesser of 10% of the CRI Eligible Specified Amount or $25,000, subject to annual and lifetime dollar amount limitations on the available CRI Unadjusted Accelerated Death Benefit Payment defined in the Rider and Policy Specification Pages. The CRI Eligible Specified Amount and the maximum annual and remaining lifetime CRI Unadjusted Accelerated Death Benefit Payment, are subject to change if there are changes to Base Policy Specified Amount, change of death benefit option in effect, and/or payment of accelerated death benefits from other Riders. The number of claims that may be paid under this Rider is limited to a maximum of 5. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Critical illness benefit payments represent an advance of a portion of the Base Policy Specified Amount that will ultimately reduce the Cash Value, Cash Surrender Value, Base Policy Specified Amount, and Death Benefit. A Policy Owner may request a CRI Unadjusted Accelerated Death Benefit Payment less than the maximum available amount. Choosing an amount less than the available maximum benefit in one year does not add the difference to the maximum annual benefit amount available in succeeding years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Note: The receipt of accelerated death benefits may be taxable, see Taxes. The eligibility of the recipient to receive Medicaid or other government provided benefits may be adversely impacted. Prior to accepting accelerated death benefits, a tax advisor and applicable social service agencies should be consulted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies with applications signed on or after May 1, 2021 or the date of state availability whichever is later, this Rider will be issued on the Policy Date with any policy for which the Insured’s Attained Age is between 18 and 65 and they meet Nationwide’s underwriting requirements for this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility Requirements </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To invoke this Rider, the Insured must have one of the following qualifying critical illness conditions, including any required diagnosis, physician qualifications, and completion of any required time of treatment or survival as described in the Rider: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">cancer; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">stroke; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">heart valve replacement/repair; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">heart attack; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">kidney failure; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">major organ transplant; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">paralysis; or </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">sudden cardiac arrest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide must receive written documentation dated after the Policy Date and within 365 days prior to submitting the claim that the Insured meets the applicable requirements of the critical illness qualifying condition on which a claim is based. A copy of the Rider with detailed requirements for each of the critical illness qualifying conditions is available upon request from our Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide has the right to verify that all criteria for eligibility have been satisfied, including review of the Insured's medical records and physical examinations of the Insured. Additionally, the following limitations on eligibility apply: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the qualifying critical illness condition was not the basis of a prior approved claim under this Rider; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the condition a claim is based on must not be the result of an intentionally self-inflicted injury or attempted suicide, while sane or insane; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">applicable law must not require this benefit to meet the claims of creditors, whether in bankruptcy or otherwise; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Owner must not be required by a government agency to claim this benefit in order to apply for, obtain, or keep a government benefit or entitlement; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide must have received a signed acknowledgment of concurrence with the payment from all assignees, irrevocable beneficiaries, or other parties with an interest in the policy; and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the policy must not be disqualified as life insurance as defined in the Internal Revenue Code, as amended, as a result of the critical illness benefit payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Critical Illness Benefit Payment Calculation – Administrative Charge and Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A benefit payment under this Rider is equal to the CRI Unadjusted Accelerated Death Benefit Payment on the applicable critical illness benefit payment date minus the following charges and deductions in the order listed: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Rider’s administrative charge to compensate Nationwide for claims processing and other administrative expenses. The guaranteed maximum Rider administrative charge is $250; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any due and unpaid Premium and/or policy charges if the policy is in a Grace Period, which will be applied to the policy as Premium to pay the due and unpaid Premium and/or policy charges; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a portion of the CRI Unadjusted Accelerated Death Benefit Payment equal to any Indebtedness multiplied by, the number one minus the CRI Proportional Reduction Percentage, which will be applied as a loan repayment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement will be provided at the time of a claim stating the applicable Rider administrative charge, other deductions from the CRI Unadjusted Accelerated Death Benefit Payment, and amount of the CRI Accelerated Death Benefit Payment, as described above. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Critical Illness Rider on the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Prior to processing the Rider’s benefit payment on the first critical illness benefit payment date, if the Death Benefit option in effect is not Death Benefit option 1 (level), it will be changed to Death Benefit option 1 (level). The Death Benefit option is not permitted to be changed at any time after the first critical illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">On each critical illness benefit payment date, the Base Policy Specified Amount will be reduced by subtracting a dollar amount equal to the CRI Unadjusted Accelerated Death Benefit Payment multiplied by a factor that is the lesser of the applicable guaranteed maximum Base Policy Specified Amount reduction factor stated in the Policy Specification Pages or a non-guaranteed Base Policy Specified Amount reduction factor determined by Nationwide. The result of this calculation will be reduction of the Base Policy Specified Amount by more than the CRI Unadjusted Accelerated Death Benefit Payment Amount. Therefore, the total amount of benefit received if this Rider is invoked, Death Benefit Proceeds plus CRI Accelerated Death Benefit Payments, will be less than the Death Benefit Proceeds that could be received if this Rider is not invoked. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The non-guaranteed Base Policy Specified Amount reduction factor determined by Nationwide will be calculated so that the CRI Accelerated Death Benefit Payment will be at least equal to the reduction to the Cash Surrender Value resulting from payment of a claim, using: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a mortality assumption which may vary by the Attained Age and sex of the Insured; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an interest rate that will not exceed the greater of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the then current yield on 90-day treasury bills available on the applicable critical illness benefit payment date; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the then current maximum adjustable policy loan interest rate based on applicable state insurance law limits and the Moody’s Corporate Bond Yield Averages – Monthly Average Corporates published by Moody’s Investor Service, Inc., or successor thereto, for the calendar month ending two months before the applicable critical illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The non-guaranteed Base Policy Specified Amount reduction factor will be determined at the time a claim is processed using Nationwide’s then current expectations for mortality for the Insured’s Attained Age and sex and then current interest rates. Higher expected mortality results in a lower non-guaranteed Specified Amount Reduction Factor. Higher interest rates at the time a claim is processed result in a higher non-guaranteed Specified Amount Reduction Factor. Nationwide uses a non-guaranteed Base Policy Specified Amount reduction factor to manage its risk in paying a portion the Death Benefit prior to the Insured’s death while potentially providing a more favorable factor than could be offered if it was guaranteed on the Policy Date. The lower the Base Policy Specified Amount reduction factor used, the greater the CRI Accelerated Death Benefit Payment. The applicable non-guaranteed Base Policy Specified Amount reduction factor can be obtained by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">On a guaranteed basis factors used to reduce the Base Policy Specified Amount will generally be lower as the Insured’s Attained Age increases, which may result in a smaller reduction of the Base Policy Specified Amount for the same CRI Unadjusted Accelerated Death Benefit Payment taken at a later Attained Age. However, on a current basis the Base Policy Specified Amount reduction factor calculation can increase or decrease from one year to the next. Contact Nationwide for information about the Base Policy Specified Amount reduction factor applicable to the Insured at any time, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement will be provided at the time of a claim stating the amount of the applicable Base Policy Specified Amount reduction factor and the impact of taking the CRI Accelerated Death Benefit Payment on policy values. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a claim for a critical illness benefit payment is approved by Nationwide, each of the following policy elements are proportionally reduced by multiplying them by the CRI Proportional Reduction Percentage: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">if greater than zero, any Cash Value in the order for partial surrenders, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Partial Surrender</span><span style="color:#000000;font-family:Arial;font-size:10pt;">; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any required Premium for the policy, policy features, and any other attached Riders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any other policy charges and policy values in effect at the time the request for payment is processed may change to reflect the new Base Policy Specified Amount, and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Partial Surrenders and Indebtedness on Rider Benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Taking partial Surrenders may reduce the Base Policy’s Specified Amount, the CRI Eligible Specified Amount, and the maximum annual and lifetime CRI Unadjusted Accelerated Death Benefit Payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Outstanding Indebtedness on the date a CRI Accelerated Death Benefit Payment is calculated will reduce the amount of the CRI Accelerated Death Benefit Payment, because a portion of any CRI Unadjusted Accelerated Death Benefit Payment will be applied as a policy loan repayment. If Indebtedness is great enough, it may result in the entire CRI Unadjusted Accelerated Death Benefit Payment, after deduction of the Rider administrative charge and any unpaid Premium or policy charges, being applied as a policy loan repayment. If, after deduction of the Rider administrative charge and any unpaid Premium or Policy charges, Indebtedness remains after application of the entire CRI Unadjusted Accelerated Death Benefit Payment as a policy loan repayment, an additional policy loan repayment or Premium payment may be required to keep the policy In Force. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Critical Illness Rider on other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Terminal Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for terminal illness at the same time, benefits will first be payable under the rider that accelerates the Death Benefit for terminal illness. Any critical illness benefit payment payable will be based on the CRI Eligible Specified Amount after reduction for payment of the accelerated Death Benefit for terminal illness. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Chronic Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for chronic illness at the same time, benefits will first be payable under this Rider. Any CI Accelerated Death Benefit Payment payable will be based on the CI Eligible Specified Amount after reduction for payment of the accelerated Death Benefit for critical illness. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">At any time when critical illness benefit payments have been paid, the dollar amount of monthly charge deductions waived will be calculated using the reduced Base Policy Specified Amount and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Overloan Lapse Protection </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon invoking the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider, this Rider will terminate.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon receiving notice of a claim, a disclosure statement will be provided projecting the amount of the applicable Base Policy Specified Amount reduction factor and the impact of taking the CRI Accelerated Death Benefit Payment on policy values. Nationwide requires written proof of claim, consisting of detailed documentation that describes and confirms the Insured has been diagnosed with a qualifying Critical Illness condition. If Nationwide determines that a benefit trigger has not been met, it will follow internal and external review processes consistent with applicable laws and regulations in the state of issue. Nationwide reserves the right to require that the Insured, at their own expense for any necessary travel, be physically present in the United States, its territories or possessions, at the time of obtaining a written certification and at the time any medical opinions and physical examinations are obtained. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Within 30 days of receiving a CRI Accelerated Death Benefit Payment, the Policy Owner may return it to the Service Center. The CRI Accelerated Death Benefit Payment and related charges will be credited to the policy, and any related changes to the policy will be reversed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Terminating the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider terminates on the earliest of the following: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Monthaversary on or next following the date Nationwide receives the Policy Owner’s written request to terminate this Rider; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">upon termination of the policy to which this Rider is attached; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an overloan lapse protection Rider, if applicable, is invoked; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Insured’s date of death. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Termination of this Rider, except due to a full surrender of the policy, will not prevent the payment of any accelerated Death Benefits for a critical illness that occurred while this Rider was In Force, except when amounts have been paid or are payable as the Death Benefit. If termination of this Rider is due to a full surrender of the policy, no benefit will be payable under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Calculation of the Accelerated Death Benefit for Critical Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The CRI Accelerated Death Benefit Payment, reduced Base Policy Specified Amount, and reduced Cash Value are calculated in accordance with the formulas below: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Base Policy Specified Amount after payment of the CRI Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> – Upmt * SARF</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount after payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount prior to payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UPmt</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Unadjusted Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SARF</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount reduction factor</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the CRI Proportional Reduction Percentage:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Proportional Reduction Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount after payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount prior to payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[UPmt] – [AC + (1 – PRP) x OPL + UP]</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UPmt</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Unadjusted Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">AC</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Proportional Reduction Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">OPL</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness on the date the benefit is calculated</span></div></div></td></tr> <tr style="height:25pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UP</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">any unpaid Premium which is the amount of any Premium that might be due or payable if the policy is in a </span></div> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grace Period on the date the benefit is calculated</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Cash Value after payment of the CRI Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> x PRP</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value after payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value prior to payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Proportional Reduction Percentage</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:50pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Base Policy Specified Amount is $500,000 and the CRI Unadjusted </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death Benefit is $20,000. Also assume a Cash Value of $80,000, Indebtedness </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in the amount of $10,000, unpaid Premium of $500 and a Rider administrative charge of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$250. The Base Policy Specified Amount reduction factor in this example is 3.5.</span></div></div></td></tr> <tr style="height:39pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, the CRI Accelerated Death Benefit Payment, the actual net </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit amount that Nationwide will pay, and reduction to the Base Policy Specified Amount </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and Cash Value are calculated as follows:</span></div></div></td></tr> <tr style="height:28pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Calculate the Base Policy Specified Amount after payment of the CRI Accelerated </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">Death Benefit Payment</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$500,000 - $20,000 x 3.5</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$430,000</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Calculate the CRI Proportional Reduction Percentage:</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">PRP</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">[($500,000 – $20,000 x 3.5) / $500,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$430,000 / $500,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">0.86</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Calculate the CRI Accelerated Death Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$20,000 – [$250 + (1 – 0.86) x $10,000+ $500]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$20,000 – [$250 + $1,400 + $500]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$20,000 – $2,150</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$17,850</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Calculate the Cash Value after payment of the CRI Accelerated Death Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$80,000 x 0.86</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$68,800</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement providing all of the values necessary to perform the calculation above at a particular point in time and a projection of impacts to policy values is available upon request by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Accidental Death Benefit Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Accidental Death Benefit Rider is the payment of a benefit to the named beneficiary, in addition to the Death Benefit, upon the Insured's accidental death. Accidental death means the Insured died within 90 days of sustaining, and as a result of, bodily injury caused by external, violent, and accidental means from a cause other than a risk not assumed. Risks not assumed vary by state. The Policy Owner should contact the Service Center to obtain a copy of the Accidental Death Benefit Rider applicable to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to Nationwide’s underwriting approval, the Rider may be purchased at any time on or after the policy anniversary on which the Insured reaches Attained Age 5 and before the policy anniversary on which the Insured reaches Attained Age 65 (while the policy is In Force). The Rider coverage continues until the Insured reaches Attained Age 70. This Rider will be effective until the Rider's term expires, the benefit has been paid, the policy terminates, or until the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:57.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the policy is issued with a Base Policy Specified Amount of $500,000, an </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accidental Death Benefit Rider Specified Amount of $100,000, and Death Benefit Option 1. </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If the Insured dies by accident as defined above prior to reaching Attained Age 70, the total </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death benefit paid to the beneficiary would be $600,000, as long as the Rider has not </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">otherwise terminated.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Accidental Death Benefit Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Accidental Death Benefit Rider Charge is deducted if you elect this Rider. The Accidental Death Benefit Rider Charge compensates Nationwide for providing coverage in the event of the Insured's accidental death. The Rider Charge is the product of the Accidental Death Benefit Rider's Specified Amount and the accidental death benefit cost of insurance rate. The accidental death benefit cost of insurance rate is based on Nationwide’s expectations as to the likelihood of the Insured's accidental death. The accidental death benefit cost of insurance rate will vary by the Insured's Attained Age and any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Accidental Death Benefit Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Accidental Death Benefit Rider Charge is deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Premium Waiver Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to Nationwide’s underwriting approval, this Rider may be purchased at any time on or after the policy anniversary on which the Insured reaches Attained Age 21 and before the policy anniversary on which the Insured reaches Attained Age 59 (while the policy is In Force). A Policy Owner may not purchase both this Rider and the Waiver of Monthly Deductions Rider. Nationwide will not approve issuance of the Rider for an Insured who is disabled at the time of application for the Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Rider Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Premium Waiver Rider is a monthly credit to the policy upon the Insured's total disability for six consecutive months not caused by a risk not assumed. Risks not assumed vary by state. Risks not assumed are conditions that are excluded under the Rider. For details regarding risks not assumed, contact the Service Center to obtain a copy of the Premium Waiver Rider applicable to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount credited to the policy will be the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Premium specified by the Policy Owner; or </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the average actual monthly Premiums paid over the last 36 months prior to the disability (or such shorter period of time that the policy has been In Force). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The monthly credit applied pursuant to the Rider may not be sufficient to keep the policy from Lapsing. Purchasing this Rider could help preserve the Death Benefit. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Benefit Duration </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured is younger than Attained Age 63 at the time of the total disability, the Rider coverage continues until the Insured turns Attained Age 65. If the Insured is Attained Age 63 or older at the time of the total disability, the Rider coverage continues for two years. This Rider is effective until the Rider is terminated by written request to the Service Center, the policy terminates, or the later of: 1) the date the Insured reaches Attained Age 65 if the Insured is younger than Attained Age 63 at the time of the total disability; or 2) the date the Rider's benefit expires if the Insured is Attained Age 63 or older at the time of the total disability. When a written request to terminate the Rider is received in good order, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Interaction with the Waiver of Monthly Deductions Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider cannot be elected if the Waiver of Monthly Deductions Rider is elected, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Waiver of Monthly Deductions Rider. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the policy is currently In Force, the Rider is not otherwise terminated, and the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">following:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Insured has been totally disabled for six consecutive months;</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● At the time of disability, the policy was in its 8th policy year and the Insured’s Attained </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Age was 59;</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Premium Waiver Rider Specified Premium is $700; and</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Premiums paid over the 36 months prior to disability totaled $24,120.</span></div></div></td></tr> <tr style="height:46.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Since the average monthly Premium paid over the 36 months prior to the disability was </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$670 ($24,120 divided by 36), $670 will be credited to the policy’s Cash Value on each </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Monthaversary only until the Insured reaches Attained Age 65, or until the Insured is </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">no longer disabled, if earlier.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Premium Waiver Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Premium Waiver Rider charge will be deducted if this Rider is elected. The Premium Waiver Rider charge compensates Nationwide for crediting the policy with the amount of scheduled due and payable Premium payments upon the Insured's total disability for six consecutive months. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider charge is the product of the Premium specified by the Policy Owner and the premium waiver charge rate. The premium waiver charge rate is based on Nationwide’s expectations as to the likelihood of the Insured's total disability for six consecutive months. The premium waiver rider monthly charge rates are established at issue and will not change while the Rider remains In Force. The premium waiver charge rates will vary by policy based on the Insured's sex, Attained Age, underwriting class, and any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Premium Waiver Rider charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Premium Waiver Rider charge is deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Additional Term Insurance Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Additional Term Insurance Rider is term life insurance on the Insured, in addition to that under the base policy. The Death Benefit Proceeds attributable to the Additional Term Insurance Rider are payable to the beneficiary upon the Insured's death if the Additional Term Insurance Rider is still In Force. The Additional Term Insurance Rider has no cash value and no loanable value nor does it modify any cash or loan values of the base policy. Policy Owners should request illustrations showing the impact of purchasing coverage with and without the Additional Term Insurance Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to Nationwide’s underwriting approval, this Rider may be purchased at any time while the policy is In Force and until the Insured reaches Attained Age 85. If purchased after the Policy Date, Nationwide will require evidence of insurability. The death benefit option for the base policy will also be the death benefit option for the Additional Term Insurance Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Additional Term Insurance Rider coverage terminates on the earliest of the following dates: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the date the Insured dies; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the original Maturity Date of the base policy; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the date the policy terminates; or </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Policy Owner cannot extend the Additional Term Insurance Rider coverage beyond the policy's Maturity Date, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Extending Coverage Beyond the Maturity Date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Additional Term Insurance Rider Impact </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Cost of Insurance Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Electing coverage under the Additional Term Insurance Rider, as opposed to electing coverage only under the base policy, should lower the Policy Owner's overall cost of insurance. This is due in part to the broker-dealer firm receiving less overall compensation for selling a policy with the Additional Term Insurance Rider. It is also possible that less Premium may be required to maintain to the Death Benefit over the life of the policy or that increased Premium may be needed if the Additional Term Insurance Rider is not purchased.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:57.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Base Specified Amount is $500,000, the Death Benefit Option is 2, the Cash </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is $40,000 and the Additional Term Insurance Rider Specified Amount is $300,000. </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon the death of the Insured, if there is no Indebtedness and no Long Term Care benefits </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">have been paid, the Base Death Benefit Proceeds will be $540,000 and the Additional Term </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Death Benefit Proceeds will be $300,000, for a total of $840,000.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Additional Term Insurance Rider Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Additional Term Insurance Rider cost of insurance charge and a monthly per $1,000 of Additional Term Insurance Rider Specified Amount charge will be deducted if the Rider is elected. These charges are deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because these charges are deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on the Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Additional Term Insurance Rider Cost of Insurance Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Additional Term Insurance Rider cost of insurance charge compensates Nationwide for providing term life insurance on the Insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The monthly cost of insurance charge for this Rider is determined by multiplying the Rider monthly cost of insurance rate by the Rider death benefit. The Rider death benefit will be equal to the difference between the total Death Benefit and the base policy Death Benefit. The Additional Term Insurance Rider cost of insurance rate is based on Nationwide’s expectation as to the Insured's mortality and expense experience. The Additional Term Insurance Rider cost of insurance rate will vary by the Insured's sex, Attained Age, underwriting class, any Substandard Ratings, and the Total Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Per $1,000 of Additional Term Insurance Rider Specified Amount Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The per $1,000 of Additional Term Insurance Rider Specified Amount charge is compensates Nationwide for expenses associated with sales, underwriting, distribution, and issuance of the Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Additional Term Insurance Rider Specified Amount when the Rider issued and any increase of the Additional Term Insurance Rider Specified Amount will each have their own respective charge rates. Once a guaranteed charge rate has been established for an Additional Term Insurance Rider Specified Amount segment of coverage, it will remain the same while the Rider remains In Force regardless of any changes to the Additional Term Insurance Rider Specified Amount. The guaranteed maximum charge rate is stated in the Policy Specification Pages. On a current basis, we may charge less than the guaranteed maximum rate. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The per $1,000 of Additional Term Insurance Rider Specified Amount charge rate for each per $1,000 of Additional Term Insurance Rider Specified Amount segment of coverage may vary by the per $1,000 of Additional Term Insurance Rider Specified Amount, Total Specified Amount, Insured’s Attained Age, and death benefit option in effect, sex, rate class, rate type, and any Substandard Ratings in effect when the Rider is issued or effective date of an increase. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Monthly per $1,000 of Additional Term Insurance Rider Specified Amount charge rates are generally lower for Insureds who are younger and in good health, larger Total Specified Amounts, and policies with Death Benefit Option 1. A Policy Owner should request an illustration from his/her financial professional to determine how various levels of coverage and death benefit option impact the cost of the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The charge is determined by dividing the Additional Term Insurance Rider Specified Amount in effect on the Rider’s effective date, and the amount of each increase in the Additional Term Insurance Rider Specified Amount at the time the segment of coverage was created, by $1,000. The results are then multiplied by the applicable respective charge rates. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The charges for each Additional Term Insurance Rider Specified Amount segment, when added together, will equal the total monthly per $1,000 of Additional Term Insurance Rider Specified Amount charge. The charge for a segment of coverage will not be reduced or removed even if the associated segment of coverage is later decreased or removed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide may assess the monthly per $1,000 of Additional Term Insurance Rider Specified Amount charge in all policy years on a guaranteed basis. Currently, the charge is assessed for 7 years measured from the Rider’s effective date for the initial Additional Term Insurance Rider Specified Amount or the effective date of any increase of the Additional Term Insurance Rider Specified Amount.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to Nationwide’s underwriting approval, this Rider may be purchased at any time on or after the policy anniversary on which the Insured reaches Attained Age 21 and before the policy anniversary on which the Insured reaches Attained Age 59 (as long as the policy is In Force). A Policy Owner may not purchase both this Rider and the Premium Waiver Rider. Nationwide will not approve issuance of the Rider for an Insured who is disabled at the time of application for the Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Benefits Provided by this Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Waiver of Monthly Deductions Rider is a waiver of policy charges in the event the Insured becomes totally disabled. Monthly charges will not be waived until the Insured has been disabled for six consecutive months. No benefit is available if total disability results from a risk not assumed; risks not assumed may vary by state. Risks not assumed are conditions that are excluded under the Rider. For details regarding risks not assumed, contact the Service Center to obtain a copy of the Waiver of Monthly Deductions Rider applicable to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> This Rider's benefit alone may not be sufficient to keep the policy from Lapsing. The Policy Owner may need to make additional Premium payments to prevent Lapse even while the Rider's benefit is being paid. However, while the Rider's benefit is being paid, it will cost less on a monthly basis to keep the policy In Force. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Benefit Duration </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The duration of the benefit depends on the Insured's Attained Age at the beginning of the total disability. If the Insured's total disability began before the Insured reached Attained Age 60, the benefit continues for as long as the Insured is totally disabled (even if that disability extends past when the Insured reaches Attained Age 65) or until the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked. If the Insured's total disability begins when the Insured is between the Attained Age of 60 and 63, the benefit continues until the Insured reaches Attained Age 65. If the Insured's total disability begins after the Insured reaches Attained Age 63, the benefit continues for two years. This Rider is effective until the Rider’s term expires, the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked, the policy terminates, or until the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the following:</span></div></div></td></tr> <tr style="height:90.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Waiver of Monthly Deductions Rider is elected and the Premium Waiver Rider has </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">not been purchased;</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Insured has been totally disabled for six consecutive months and the Insured’s </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">disability is not a result of a risk not assumed; and</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● At the time of disability, the Insured’s Attained Age was 57.</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:10.16pt;"> </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy’s monthly deductions will be waived (not deducted from the Cash Value) until the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured is no longer disabled, or until the Waiver of Monthly Deductions Rider is terminated.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deductions Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Waiver of Monthly Deductions Rider Charge will be deducted if this Rider is elected. The Rider charge compensates Nationwide for waiving the policy's monthly charges upon the Insured's total disability for six consecutive months. The Rider charge is the product of the monthly policy charges (excluding the cost for this Rider) and the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">deduction waiver cost rate. The waiver of monthly deductions cost rate is based on Nationwide’s expectations as to the likelihood of the Insured's total disability for six consecutive months. The deduction waiver cost rate varies by the Insured's Attained Age and any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Waiver of Monthly Deductions Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Waiver of Monthly Deductions Rider Charge is deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed Policy </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Continuation</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">During the Death </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Guarantee </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Period, the policy will </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">not Lapse if Premium </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">requirements are </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">satisfied</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Monthly Death Benefit Guarantee Premium </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">can change due to action by the Policy Owner</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● When the Death Benefit Guarantee Period ends, </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">the policy may be at risk of Lapse</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Duration of the benefit period varies based on the </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured’s Issue Age</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guaranteed Policy Continuation Provision</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-term transfer </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">program involving </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic transfer of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">assets</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only permitted from the Fixed Account </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">and a limited number of Sub-Accounts</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers may not be directed to the Fixed Account </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">or Long-Term Fixed Account</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers from the Fixed Account must be no more </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">than 1/12</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">th</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of the Fixed Account value at the time </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">the program is elected</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may modify, suspend, or discontinue </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">these programs at any time</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only made monthly</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Enhanced Dollar Cost </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Averaging</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-term transfer </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">program involving </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic transfer of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocations with higher </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">interest crediting rate</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available at the time of application, and only </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">initial Premium is eligible for the program</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only permitted from the Fixed Account</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only made monthly and only for the </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">first policy year</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Asset Rebalancing</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automatic reallocation </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of assets on a </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">predetermined </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">percentage basis</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Assets in the general account options are excluded </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the program</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Rebalances only permitted on a three, six, or 12 </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">month schedule</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Automated Income </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monitor</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Systematic partial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender and/or policy </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">loan program to take an </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">income stream of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">scheduled payments </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">from the Cash Value</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to policies that are not modified </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">endowment contracts</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Policy Owners are responsible for monitoring the </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy to prevent Lapse</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Program will terminate upon the occurrence of </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">specified events</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may modify, suspend, or discontinue the </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">program at any time</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Policy Owner Services</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender Charge </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waiver Option</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Surrender charges are </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">waived for full and </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">partial Surrenders</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to be elected at the time of </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">application</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Election is irrevocable</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Surrender Charge</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Lapse </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Protection Rider II</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prevent the policy from </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lapsing due to </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness</span> true <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Election to invoke is irrevocable</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Once invoked, all other Riders terminate (except the </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Additional Term Insurance Rider, if applicable)</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value will be transferred to the Fixed Account </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">and may not be transferred out</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No further loans or partial surrenders may be taken </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the policy</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Overloan Lapse </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Protection Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Prevent the policy from </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Lapsing due to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No longer available for new issues</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available for policies for which the guideline </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">premium/cash value corridor life insurance </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">qualification test is elected</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Election to invoke is irrevocable</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Once invoked, all other Riders terminate (except the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Additional Term Insurance Rider, if applicable)</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value will be transferred to the Fixed Account </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">and may not be transferred out</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No further loans or partial surrenders may be taken </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">from the policy</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Children’s Term </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides term life </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insurance on the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured’s children</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insurance coverage for each insured child </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">continues until the earlier: (1) the policy anniversary </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">on or next following the date the Insured’s child </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">turns age 22, or (2) the policy anniversary on which </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the Insured reaches Attained Age 65</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Provides a conversion right, subject to limitations</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-Term Care Rider II</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerates a portion of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Total Specified </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount for qualified </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">long-term care services</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Underwriting requirements for the Rider are </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">separate and distinct from the policy, and the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">does not provide benefits for certain conditions or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">events</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 21 and 80 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the Rider is elected</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Long-Term Care Specified Amount must be at least </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">$100,000 and no more than the maximum </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">determined in underwriting</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to maximum monthly benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to an elimination period, a 90-day waiting </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">period, before benefits are paid</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Written notice of claim is required</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit associated with the Rider may not cover all </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">long-term care costs incurred</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● While benefit is being paid no loans or partial </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">surrenders may be taken from the policy</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-Term Care Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerates a portion of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Total Specified </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount for qualified </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">long-term care services</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available for new or In Force policies in states </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">where the Long-Term Care Rider II is not approved</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Underwriting requirements for the Rider are </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">separate and distinct from the policy, and the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">does not provide benefits for certain conditions or </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">events</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If purchased six months or more after the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Date, new evidence of insurability is required</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Long-Term Care Specified Amount must be at least </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">10% of the Total Specified Amount and no more </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">than 100% of the Total Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to maximum monthly benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements to invoke the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to an elimination period, a 90-day waiting </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">period, before benefits are paid</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Written notice of claim is required</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit associated with the Rider may not cover all </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">long-term care costs incurred</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● While benefit is being paid no loans or partial </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">surrenders may be taken from the policy</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Spouse Life Insurance </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death benefit payable </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">upon death of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured Spouse</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">●  No longer available for new issue or post-issue </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">election</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 21 and 59 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the Rider is elected</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured Spouse must be between Attained Age 18 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">and 69 when the Rider is elected</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Provides a conversion right, subject to limitations</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Terminal </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides a one-time </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">terminal illness benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Rider only applies to the Insured under the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">base policy</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Invoking the Rider is subject to eligibility </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">requirements</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Requested Percentage must not exceed 50% of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Base Policy Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Amount of the TI Accelerated Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">payment must be at least $10,000 and cannot </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">exceed $250,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The minimum Base Policy Specified Amount for the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy must still be met after processing the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">acceleration request</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Timing restrictions on coverage may apply</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Receipt of accelerated death benefits may be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">taxable and may adversely impact eligibility for </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">other government benefits</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The value of the benefit may be reduced by </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits paid under other Riders</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Chronic </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides for chronic </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">illness benefit payments</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to eligibility requirements</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be between Attained Age 18 and 65 </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">when the policy is issued</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured must be certified by a licensed health care </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">practitioner within 30 days prior to submitting a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">claim</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Subject to annual and lifetime dollar amount </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">limitations</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● 90-day waiting period applies for the first claim; </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">waiting period may apply for subsequent claims</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death Benefit must be changed to Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Option 1</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Partial Surrenders and Indebtedness will reduce </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Receipt of accelerated death benefits may be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">taxable and may adversely impact eligibility for </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">other government benefits</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The value of the benefit may be reduced by </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefits paid under other Riders</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Critical </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides for critical </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">illness benefit payments</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accidental Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Payment of a benefit in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">addition to the Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit upon the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured’s accidental </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium Waiver Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides a monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">credit to the policy upon </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Insured’s total </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">disability</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased on or after the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">anniversary on which Insured reaches Attained Age </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">21 and before the policy anniversary on which </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured reaches Attained Age 59</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Monthly credit applied may not be sufficient to keep </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the policy from Lapsing</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cannot be elected if the Waiver of Monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Deductions Rider is elected</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Insured is younger than age 63 at the time of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the total disability, coverage continues until age 65</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Insured is age 63 or older at the time of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">total disability, coverage may continue for two years</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Additional Term </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Provides term life </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insurance on the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured, in addition to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that under the base </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">policy</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased until the Insured reaches </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Attained Age 85</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If purchase after the Policy Date, evidence of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">insurability is required</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Deductions Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Waiver of policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges if the Insured </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">becomes totally </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">disabled</span> true <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● May be purchased on or after the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">anniversary on which Insured reaches Attained Age </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">21 and before the policy anniversary on which </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Insured reaches Attained Age 59</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Monthly charges will not be waived until the Insured </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">has been disabled for six consecutive months</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit alone may not be sufficient to keep the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">policy from Lapsing</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cannot be elected if the Premium Waiver Rider is </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">elected</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If disability began before Attained Age 60, the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">benefit may continue for as long as the disability</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If disability began between Attained Age 60 and 63, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the benefit may continue until Attained Age 65</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Insured’s total disability begins after Attained </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Age 63, the benefit may continue for two years</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Overloan Lapse Protection Rider II </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner is able to prevent the policy with Indebtedness from Lapsing due to the combination of Indebtedness and any long-term care benefits paid by invoking the Overloan Lapse Protection Rider II, which provides a guaranteed paid-up insurance benefit. The Rider is designed to enable the Policy Owner of a policy with a substantially depleted Cash Surrender Value, due to Indebtedness, to potentially avoid the negative tax consequences associated with Lapsing the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Neither the IRS nor the courts have ruled on the tax consequences of invoking the Overloan Lapse Protection Rider II. It is possible that the IRS or a court could assert that the Indebtedness should be treated as a distribution, all or a portion of which could be taxable when the Rider is invoked. Consult with a tax advisor regarding the risks associated with invoking this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed on or after June 14, 2021,</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> all policies, regardless of the elected life insurance qualification test, will automatically receive the Overloan Lapse Protection Rider II (state law permitting). </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed prior to June 14, 2021: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies for which the cash value accumulation life insurance qualification test was elected, such policies will automatically receive the Overloan Lapse Protection Rider II (state law permitting). </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies for which the guideline premium/cash value corridor life insurance qualification test was elected, this Rider is not available. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider is dormant until specifically invoked by the Policy Owner, at which time a one-time charge is assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Eligibility </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Policy Owner is eligible to invoke the Rider upon meeting the following conditions: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy has Indebtedness, and the Indebtedness plus the total amount of any long-term care benefits paid reaches a certain percentage of the policy's Cash Value (the percentage will vary based on the Insured’s Attained Age, and will range from 94% to 99% for policies for which the guideline premium/cash value corridor life insurance qualification test is elected and from 81-98% for policies for which the cash value accumulation life insurance qualification test is elected); </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Insured is Attained Age 65 or older; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The 15th policy anniversary has been reached, regardless of any period of Lapse, and the policy is currently In Force; and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies for which the guideline premium/cash value corridor life insurance qualification test is elected, all amounts required to be withdrawn so that the Policy continues to qualify as life insurance under Section 7702 of the Code must be taken as partial surrenders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The first time the policy's Indebtedness plus the total amount of any long-term care benefits paid reaches the percentage that makes the policy eligible for the Rider, Nationwide will notify the Policy Owner of the policy's eligibility to invoke the Rider. The letter will also describe the Rider, its cost, and its guaranteed benefits. The Rider may be invoked at any time, provided that the above conditions are met. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Impact on Other Riders and the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When this Rider is invoked, all other In Force Riders will terminate except the Additional Term Insurance Rider, if applicable. An election to invoke the Overloan Lapse Protection Rider II is irrevocable. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Additionally, Nationwide will adjust the policy as follows: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If not already in effect, the death benefit option will be changed to Death Benefit Option 1. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Total Specified Amount will be adjusted to equal the lesser of: (1) the Total Specified Amount immediately before the Rider was invoked; or (2) the Total Specified Amount that will cause the Death Benefit to equal the Minimum Required Death Benefit immediately after the charge for the Rider is deducted. This "new" Total Specified Amount will be used to calculate the Death Benefit pursuant to The Death Benefit provision. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any non-loaned Cash Value (after deduction of the Overloan Lapse Protection Rider II charge) will be transferred to the Fixed Account, where it will earn at least the minimum guaranteed fixed interest rate of the base policy (shown in the Policy Specification Pages). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the above adjustments are made, the Indebtedness will continue to grow at the policy's loan charged rate, and the amount in the policy loan account will continue to earn interest at the policy's loan crediting rate. No additional policy or Rider charges will be assessed. No further loans or partial surrenders may be taken from the policy. Cash Value may not be transferred out of the Fixed Account. The Death Benefit will be the greater of the Total Specified Amount or the Minimum Required Death Benefit. The policy will remain as described above for the duration of the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Invoking the Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value. For policies with Death Benefit Option 2 or 3 before the Rider is invoked, the Death Benefit after the Rider is invoked, Death Benefit Option 1, will provide a lower Death Benefit because of the loss of the Cash Value or Premium component respectively. Additionally, any benefits paid pursuant to this Rider will reduce the Cash Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Overloan Lapse Protection Rider II Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Overloan Lapse Protection Rider II Charge is a one-time charge deducted at the time the Rider is invoked, and is assessed against the Cash Value allocated to the Sub-Accounts and the general account option. The charge is intended to cover the administrative costs and to compensate Nationwide for the risks associated with the Rider's guaranteed paid-up Death Benefit. The charge is the product of the policy's Cash Value and an age-based factor ranging from 0.15% to 18.50% as shown in the Policy Specification Pages. The age-based factor will vary based upon the elected life insurance qualification test. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Cash Value, less the sum of Indebtedness and the total amount of any long-term care benefits paid, is insufficient to satisfy the charge, the Rider cannot be invoked without repaying enough Indebtedness to cover the charge.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the policy is currently In Force and the following:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The policy was issued with the cash value accumulation life insurance qualification test</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured’s Attained Age is 77</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Policy is in its 23rd policy year</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death Benefit Option 2</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Total Specified Amount: $500,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Indebtedness: $195,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Long-term care benefits paid: $120,000</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value: $375,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Applicable age-based factor for determining rider charge: 14.7%</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, a decision to invoke the Rider would impact the policy as </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">follows:</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The death benefit option will be changed from Death Benefit Option 2 to Death Benefit </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">Option 1.</span></div></div></td></tr> <tr style="height:39pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The one-time charge for invoking the Rider will be $55,125 ($375,000 x 14.7%) and will </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">be deducted from the Cash Value, reducing the Cash Value to $319,875 ($375,000 - </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">$55,125)</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The non-loaned Cash Value $124,875 ($319,875 - $195,000) will be transferred to the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">Fixed Account where it will earn at least the minimum guaranteed fixed interest rate.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy loan account ($195,000) will continue to earn interest at the policy's loan </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">crediting rate.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The Indebtedness ($195,000) will continue to grow at the policy’s loan interest charged </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">rate.</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After this Rider is invoked, no other changes to the policy can be made.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Overloan Lapse Protection Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner is able to prevent the policy from Lapsing due to Indebtedness by invoking the Overloan Lapse Protection Rider, which provides a guaranteed paid-up insurance benefit. The Rider is designed to enable the Policy Owner of a policy with a substantially depleted Cash Surrender Value, due to Indebtedness, to potentially avoid the negative tax consequences associated with Lapsing the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Neither the IRS nor the courts have ruled on the tax consequences of invoking the Overloan Lapse Protection Rider. It is possible that the IRS or a court could assert that the Indebtedness should be treated as a distribution, all or a portion of which could be taxable when the Rider is invoked. Consult with a tax advisor regarding the risks associated with invoking this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed on or after June 14, 2021</span><span style="color:#000000;font-family:Arial;font-size:10pt;">, the Overloan Lapse Protection Rider is no longer available for new issues. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed prior to June 14, 2021</span><span style="color:#000000;font-family:Arial;font-size:10pt;">, and for which the guideline premium/cash value corridor life insurance qualification test was elected, such policies will automatically receive the Overloan Lapse Protection Rider (state law permitting). The Rider is dormant until specifically invoked by the Policy Owner, at which time a one-time charge is assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider is not available for policies for which the cash value accumulation life insurance qualification test was elected. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Policy Owner is eligible to invoke the Rider upon meeting the following conditions: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Indebtedness reaches a certain percentage of the policy's Cash Value (the percentage will range from 94% to 99% based upon the Insured's Attained Age); </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Insured is Attained Age 75 or older; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The 15</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> anniversary of the Policy Date has been reached, regardless of any period of Lapse, and the policy is currently In Force; and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">All amounts required to be withdrawn so that the Policy continues to qualify as life insurance under Section 7702 of the Code must be taken as partial surrenders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The first time the policy's Indebtedness reaches the percentage that makes the policy eligible for the Rider, Nationwide will notify the Policy Owner of the policy's eligibility to invoke the Rider. The letter will also describe the Rider, its cost, and its guaranteed benefits. The Rider may be invoked at any time, provided that the above conditions are met. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact on Other Riders and the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When this Rider is invoked, all other In Force Riders will terminate except the Additional Term Insurance Rider, if applicable. An election to invoke the Overloan Lapse Protection Rider is irrevocable. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Additionally, Nationwide will adjust the policy as follows: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If not already in effect, the death benefit option will be changed to Death Benefit Option 1. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Total Specified Amount will be adjusted to equal the lesser of: (1) the Total Specified Amount immediately before the Rider was invoked; or (2) the Total Specified Amount that will cause the Death Benefit to equal the Minimum Required Death Benefit immediately after the charge for the Rider is deducted. This "new" Total Specified Amount will be used to calculate the Death Benefit pursuant to </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">The Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> provision. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any non-loaned Cash Value (after deduction of the Overloan Lapse Protection Rider charge) will be transferred to the Fixed Account, where it will earn at least the minimum guaranteed fixed interest rate of the base policy (shown in the Policy Specification Pages). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the above adjustments are made, the Indebtedness will continue to grow at the policy's loan charged rate, and the amount in the policy loan account will continue to earn interest at the policy's loan crediting rate. No additional policy or Rider charges will be assessed. No further loans or partial surrenders may be taken from the policy. Cash Value may not be transferred out of the Fixed Account. The Death Benefit will be the greater of the Total Specified Amount or the Minimum Required Death Benefit. The policy will remain as described above for the duration of the policy.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;">Invoking the Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value. For policies with Death Benefit Option 2 or 3 before the Rider is invoked, the Death Benefit after the Rider is invoked, Death Benefit Option 1, will provide a lower Death Benefit because of the loss of the Cash Value or Premium component respectively. Additionally, any benefits paid pursuant to this Rider will reduce the Cash Surrender Value.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume a policy is currently In Force and the following:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Insured’s Attained Age is 75</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Policy is in its 27th policy year</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death Benefit Option 1</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Total Specified Amount: $700,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Indebtedness: $627,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Cash Value: $660,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Applicable age-based factor for determining rider charge: 4.60%*</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">*</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rate is subject to change based on the policy</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, a decision to invoke the Rider would impact the policy as </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">follows:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The death benefit option will remain at Death Benefit Option 1.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The one-time charge for invoking the Rider will be $30,360 ($660,000 x 4.60%) and will </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">be deducted from the Cash Value, reducing the Cash Value to $629,640.</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The Total Specified Amount will remain at $700,000 since it is less than the Minimum </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">Required Death Benefit of $712,611.90. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:29.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The non-loaned Cash Value $2,640 ($629,640 - $627,000 will be transferred to the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">Fixed Account where it will earn at least the minimum guaranteed fixed interest rate.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy loan account ($627,000) will continue to earn interest at the policy's loan </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">crediting rate.</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The Indebtedness ($627,000) will continue to grow at the policy's loan interest charged </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:22.22pt;">rate.</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">After this Rider is invoked, no other changes to the policy can be made.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Overloan Lapse Protection Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Overloan Lapse Protection Rider Charge is a one-time charge deducted at the time the Rider is invoked, and is assessed against the Cash Value allocated to the Sub-Accounts and the general account options. The charge is intended to cover the administrative costs and to compensate Nationwide for the risks associated with the Rider's guaranteed paid-up Death Benefit. The charge is the product of the policy's Cash Value and an age-based factor ranging from 0.15% to 4.75% as shown in the Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Cash Value less Indebtedness is insufficient to satisfy the charge, the Rider cannot be invoked without repaying enough Indebtedness to cover the charge.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Children's Term Insurance Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to underwriting approval, a Policy Owner may purchase term life insurance on the Insured's children at any time while the policy is In Force. If an insured child dies while the policy is In Force and before the Maturity Date, the policy pays a benefit to the named beneficiary. The insurance coverage for each insured child will continue (as long as the policy is In Force) until the earlier of: (1) the policy anniversary on or next following the date the Insured's child turns age 22; or (2) the policy anniversary on which the Insured reaches Attained Age 65. Subject to certain conditions specified in the Rider, the Rider may be converted into a policy on the life of the insured child without evidence of insurability. The Rider will be effective until the Rider's term expires, until the benefit is paid, the policy terminates, or until the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:68.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Children’s Term Insurance Rider Specified Amount is $15,000 and the Insured </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">has two children that meet the definition of insured child and the Rider is In Force. If one of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the children dies, $15,000 will be paid to the named beneficiary. The rider would continue to </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">remain in effect as long the second child meets the definition of insured child. Upon the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death of the second insured child, an additional $15,000 would be paid to the named </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">beneficiary as long as coverage under the Rider has not otherwise terminated.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Children’s Term Insurance Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Children's Term Insurance Rider Charge will be deducted if this Rider is elected. The Children’s Term Insurance Rider Charge compensates Nationwide for providing term insurance on the lives of each insured child. The Rider charge is $0.43 per $1,000 of the Children's Term Insurance Rider's Specified Amount and will be assessed as long as the policy is In Force and the Rider is in effect. The Rider charge will be the same, even if the number of children covered under the Rider changes. Nationwide may decline a request to add another child based on underwriting standards. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Children’s Term Insurance Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Children’s Term Insurance Rider Charge is deducted from the policy's Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Long-Term Care Rider II </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies with Insureds with Attained Ages between 21 and 80 and subject to Nationwide's underwriting approval, the Long-Term Care Rider II may be purchased at any time while the policy is In Force. Underwriting and approval of the Rider are separate and distinct from underwriting and approval of the policy and Additional Term Insurance Rider. Therefore, it is possible that the underwriting risk class for the Rider could differ from the policy and Additional Term Insurance Rider or that an Insured could qualify for the policy and Additional Term Insurance Rider and still be declined for this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">There is a right to cancel associated with the Rider. Within 30 days of receipt of the Rider, the Policy Owner may return it to the sales representative who sold it, or to the Service Center. The Rider will be void and related charges will be credited to the policy, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Right to Cancel (Examination Right)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">State regulation of long-term care benefits will result in differences in this Rider's name, covered services, criteria for eligibility of benefit payment, cost of insurance charge factors, maximum monthly benefit amounts, minimum monthly benefit amounts, and availability of minimum Death Benefit Proceeds, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Minimum Long-Term Care Rider II Death Benefit Proceeds.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> State variations are subject to change without notice at any time. Contact the Service Center to obtain a copy of the Rider applicable to the policy, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Rider II Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Rider is that, upon the Insured meeting certain eligibility requirements, the Policy Owner is paid a monthly benefit. Benefit payments represent an advance of a portion of the Base Policy Specified Amount that will ultimately reduce the Cash Surrender Value and Death Benefit. The benefits paid under this Rider are intended to be "qualified long-term care insurance" under federal tax law, and generally will not be taxable to the Policy Owner, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. See a tax advisor about the use of this rider. The benefit associated with the Rider may not cover all long-term care costs incurred. The Long-Term Care Rider II has no Cash Surrender Value and no loan value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Long-Term Care Specified Amount elected must be at least $100,000 and no more than the maximum dollar amount determined in underwriting and stated in the Policy Specification Pages. The maximum monthly benefit, which is determined by Nationwide at the time of benefit payment, will be the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an elected percentage, 2%, 3%, or 4% of Long-Term Care Specified Amount in effect; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">twice the applicable per diem amount allowed by the Health Insurance Portability and Accountability Act (HIPAA) multiplied by thirty; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">1/12 of the maximum lifetime long-term care benefit, which is the lesser of the Long-Term Care Specified Amount or the Base Policy Specified Amount minus Indebtedness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The maximum lifetime benefit and maximum monthly benefit are subject to change if there are changes to the Long-Term Care Specified Amount, Base Policy Specified Amount or Total Specified Amount, changes to the HIPAA per diem amount, or Indebtedness. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner may request to receive a monthly benefit less than the maximum monthly benefit subject to any minimum monthly benefit stated in the Policy Specification Pages. Choosing a lesser amount could extend the length of the benefit period of the Rider. However, the monthly benefit is not cumulative; taking less than the maximum monthly benefit in one month does not increase the benefit amount available in succeeding months. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:90.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Long-Term Care Specified Amount is $400,000 and the elected percentage is </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">3%. If the invocation requirements below are satisfied and the 90-day elimination period has </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">been satisfied, the Policy Owner can choose a monthly benefit up to 3% of the Long-Term </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Care Specified Amount ($400,000 x 3% = $12,000). If there is no Indebtedness, this </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly benefit will be paid until either the Insured no longer meets the eligibility </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">requirements or the entire $400,000 has been paid. If there is Indebtedness, monthly </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefits will end when the accumulated benefits become greater than or equal to the Base </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Specified Amount minus Indebtedness.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Invoking the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To invoke this Rider, the Insured must be certified by a licensed health care practitioner within the previous twelve months as: (1) having a severe cognitive impairment; or (2) unable to perform without substantial assistance at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving </span><span style="color:#000000;font-family:Arial;font-size:10pt;">into or out of bed, chair, or wheelchair) for a period of at least 90 days. The Insured must also be receiving qualified long-term care services specified in a plan of care submitted to Nationwide. At least every twelve months, the Insured must be recertified and an updated plan of care submitted. Nationwide has the right to verify that all of the criteria for eligibility have been satisfied, including review of the Insured's medical records and physical examinations of the Insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition, a 90-day waiting period beginning the day after the Insured begins receiving qualified long-term care services, referred to as an "elimination period," must be satisfied before benefits are paid. Benefits will not be retroactively paid for the elimination period. If the Insured does not require qualified long-term care services over a continuous 90 day period, separate periods may be accumulated to satisfy the elimination period, but must be accumulated within a continuous period of 730 days. The elimination period must be satisfied only once while the Rider is in effect. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The Rider does not provide benefits for chronic illness resulting from suicide attempts, the commission of felonies, alcoholism or drug addiction, or war. The Rider also does not cover preexisting conditions not disclosed in the application for the Rider if the need for services begins during the first six months after the Rider effective date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Long-Term Care Rider II on the Policy and other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the elimination period, while Long-Term Care Rider II benefits are being paid, the following are not permitted: loans, partial surrenders, changes to the Base Policy Specified Amount or Total Specified Amount, changes in underwriting classification, addition of other Riders, or changes in death benefit option. In addition, the following are applicable: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Waiver of the Long-Term Care Rider II Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Long-Term Care Rider II charge will be waived while Long-Term Care Rider II benefits are being paid; however, all other monthly deductions will continue to be charged as long as the policy’s Cash Surrender Value is sufficient. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Policy Lapse Protection</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: To the extent the policy's Cash Surrender Value is insufficient to cover all other monthly deductions while benefits are being paid under the Rider, all monthly deductions will be waived and the policy will not Lapse. This includes monthly deductions for other In Force Riders. Premium requirements for any death benefit guarantee feature of the policy or any elected Rider are not waived. Once the Long-Term Care Rider II benefit is no longer being paid, payment of additional Premium may be necessary to prevent the policy from Lapsing. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: If the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">is not</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> being kept In Force by the Rider's policy Lapse protection feature at the time of the Insured's death, the total amount of Rider benefits paid will be subtracted from the Base Policy Specified Amount or Cash Value in calculating the Death Benefit. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">is</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> being kept In Force by the Rider's policy Lapse protection feature at the time of the Insured's death, the Death Benefit will be calculated using the Long-Term Care Rider Specified Amount. This will reduce the Death Benefit, unless the Long-Term Care Rider Specified Amount equals the Base Policy Specified Amount. The total amount of Rider benefits paid will be subtracted from the Long-Term Care Specified Amount or Cash Value in calculating the Death Benefit. Additionally, no benefits will be paid under the Accidental Death Benefit Rider, if applicable. To avoid any reduction of the Death Benefit the Policy Owner can continue to pay sufficient Premium to keep the policy In Force without relying on the Policy Lapse Protection feature. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Reinstatement:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> In addition to the terms of reinstatement provided for under the policy, if the policy Lapses while this Rider is In Force and the Insured had cognitive impairment or loss of functional capacity, it may be reinstated within five months without submission of new proof of insurability. Payment of Premium is required as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Reinstatement</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Cash Surrender Value and Policy Loans</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Cash Surrender Value and the amount available for partial surrenders and policy loans will be reduced by the total amount of long-term care benefits paid at the time a request is received. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Specified Amount Decreases: Decreases in the Base Policy Specified Amount or Total Specified Amount will result in a corresponding decrease in the Long-Term Care Specified Amount if the Base Policy Specified Amount or Total Specified Amount would otherwise be less than the Long-Term Care Specified Amount after the decrease. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accelerated Death Benefit for Terminal Illness Rider: The total amount of long-term care benefits paid will be subtracted from the Death Benefit amount available to be accelerated if the Insured is terminally ill. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accelerated Death Benefit for Chronic Illness Rider: If this Rider is issued on the Policy Date, the Accelerated Death Benefit for Chronic Illness Rider is not available. If the Accelerated Death Benefit for Chronic Illness Rider is issued with the policy and this Rider is later applied for and issued, the Accelerated Death Benefit for Chronic Illness Rider will terminate and cannot be re-added to the policy even if this Rider is later terminated. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accelerated Death Benefit for Critical Illness Rider: The total amount of long-term care benefits paid will be subtracted from the Death Benefit amount available to be accelerated if the Insured is critically ill. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Written notice of a claim must be given within 30 days after the Insured begins receiving qualified long-term care services. Written proof of claim, consisting of detailed documentation that describes and confirms the Insured is chronically ill and is receiving qualified long-term care services, must be given within 90 days. If Nationwide approves a claim, the benefit payable does not depend on the actual cost of qualified long-term care services received. The Policy Owner can elect to receive a monthly benefit of any amount between the minimum and maximum monthly benefit for the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If Nationwide determines that a benefit trigger has not been met, it will follow internal and external review processes consistent with applicable laws and regulations in the state of issue. The Policy Owner must give immediate notice when the receipt of qualified long-term care services has ceased or is no longer required. Nationwide, at its own expense, has the right to have the Insured examined as often as it may reasonably require while Long-Term Care Rider II benefits are being paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide may contest claims payments under the Rider for misrepresentations made in the application for the Rider, an application for an increase of the Long-Term Care Specified Amount, or an application to reinstate the Rider after a Lapse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Referral Service </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Rider is elected, the Policy Owner will have access to a national long-term care services referral network via a toll-free telephone number. Services provided include free consultation and tailored information to assist in implementing a plan of care. There is no obligation to use these services which are currently provided through a third party paid for by Nationwide. There is no separate additional charge for this service. This service is subject to availability and may be modified, suspended, or discontinued at any time upon 30 days written notice. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Terminating the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider will terminate when the policy reaches its original Maturity Date, the Insured dies, the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked, the policy is terminated, or the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider benefits will no longer be available, except as described below, and the Rider charge will no longer be assessed. However, the total amount of Rider benefits paid prior to termination will continue to be used in calculation of other policy benefits, as described above. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Long-term care benefits can be claimed after termination, if the Insured was receiving care in a long-term care facility on the date of termination. Eligibility and claims requirements must be met. Payments will end when the maximum lifetime long-term care benefit has been paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Rider II Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly charge is deducted from the Cash Value if this Rider is elected. The charge compensates Nationwide for providing long-term care benefits upon the Insured meeting certain eligibility requirements. The Rider charge is the product of a per $1,000 of Long-Term Care Specified Amount charge rate and the Long-Term Care Specified Amount. Each increase of the Long-Term Care Specified Amount will have its own associated charge rate. The long-term care cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;">of insurance rates are based on Nationwide’s expectations as to the Insured’s potential need for long-term care over time and will vary by the Insured's sex, Issue Age, the effective date of coverage, elected maximum monthly benefit determination percentage, underwriting classification, any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Long-Term Care Rider II Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Rider charge is deducted from the Cash Value, electing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Long-Term Care Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider is only available for new or In Force policies in states where the Long-Term Care Rider II is not approved. Contact the Service Center for information regarding availability. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to availability and Nationwide's underwriting approval, the Long-Term Care Rider may be purchased at any time while the policy is In Force. If purchased six months or more after the Policy Date, Nationwide will require new evidence of insurability. Underwriting and approval of the Long-Term Care Rider are separate and distinct from underwriting and approval of the policy and Additional Term Insurance Rider. Therefore, it is possible that the underwriting risk class for the Long-Term Care Rider could differ from the policy and Additional Term Insurance Rider or that an Insured could qualify for the policy and Additional Term Insurance Rider and still be declined for the Long-Term Care Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">There is a right to cancel associated with this Rider. Within 30 days of receipt of the Rider, the Policy Owner may return it to the sales representative who sold it, or to the Service Center. The Rider will be void and related charges will be refunded as a credit to the policy, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Right to Cancel (Examination Right)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">State regulation of long-term care benefits will result in differences in this Rider's name, covered services, criteria for eligibility of benefit payment, cost of insurance charge factors, maximum monthly benefit amounts, minimum monthly benefit amounts, and availability of the 10% residual Death Benefit. State variations are subject to change without notice at any time. Contact the Service Center to obtain a copy of the Long-Term Care Rider applicable to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Rider Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Long-Term Care Rider is that, upon the Insured meeting certain eligibility requirements, the Policy Owner is paid a monthly benefit to assist with the Insured’s expenses associated with nursing home care or home health care. Benefit payments represent an advance of a portion of the Total Specified Amount which will ultimately reduce the Cash Surrender Value and Death Benefit. The Long-Term Care Rider has no Cash Surrender Value and no loan values. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Long-Term Care Specified Amount elected must be at least 10% of the Total Specified Amount and no more than 100% of the Total Specified Amount. The maximum monthly benefit, which is determined by Nationwide at the time a request for benefits under the terms of the Rider is submitted, will be the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">2% of Long-Term Care Specified Amount in effect; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the per diem amount allowed by the Health Insurance Portability and Accountability Act times the number of days in the month. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The maximum lifetime benefit under any combination of home health care benefits and long-term care facility benefits is equal to the lesser of the Long-Term Care Specified Amount or the Total Specified Amount minus Indebtedness. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Policy Owner may request to receive a monthly benefit less than the maximum subject to any minimum monthly benefit. Choosing a lesser amount could extend the length of the benefit period of the Long-Term Care Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Decreases in the Total Specified Amount will result in a corresponding decrease in the Long-Term Care Specified Amount only if the Total Specified Amount is less than the Long-Term Care Specified Amount after the decrease. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:79.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Long-Term Care Specified Amount is $500,000. If the invocation requirements </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">below are satisfied and the 90-day elimination period has been satisfied, the Owner can </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">choose a monthly benefit up to 2% of the Long-Term Care Specified Amount ($10,000). If </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">there is no Indebtedness, this monthly benefit will be paid until either the Insured no longer </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">meets the eligibility requirements or the entire $500,000 has been paid. If there is </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness, monthly benefits will end when the accumulated benefits become greater </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">than or equal to the Long-Term Care Specified Amount minus Indebtedness.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Invoking the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To invoke this Rider, the Insured must be certified by a licensed health care practitioner as: (1) having a severe cognitive impairment or (2) unable to do at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair) for a period of at least 90 days. The Insured must also be receiving qualified long-term care services specified in a plan of care submitted to Nationwide. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition, a 90-day waiting period, referred to as an "elimination period," must be satisfied before benefits are paid. Benefits will not be retroactively paid for the elimination period. The elimination period can be satisfied by any combination of days of long-term care facility stay or days of home health care, as those terms are defined in the Rider. These days of care or services need not be continuous, but must be accumulated within a continuous period of 730 days. The elimination period has to be satisfied only once while the Rider is in effect. The benefit associated with the Rider may not cover all long-term care costs incurred. The benefits paid in association with the Rider are intended to be "qualified long-term care insurance" under federal tax law, and generally will not be taxable to the Policy Owner, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. See a tax advisor about the use of this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The Rider does not provide benefits for chronic illness resulting from suicide attempts, the commission of felonies, alcoholism or drug addiction, non-organic mental or psychoneurotic disorders, or war. The Rider also does not cover preexisting conditions not disclosed in the application if the need for services begins during the first six months after the Rider effective date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Long-Term Care Rider on the Policy and other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the elimination period, while Long-Term Care Rider benefits are being paid, the following are not permitted: loans, partial surrenders, changes to the Base Policy Specified Amount or Total Specified Amount, changes in underwriting classification, addition of other Riders, or changes in death benefit option. In addition, the following are applicable: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Waiver of the Long-Term Care Rider Charge</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Long-Term Care Rider charge will be waived while Long-Term Care Rider benefits are being paid; however, all other monthly deductions will continue to be charged as long as the policy’s Cash Surrender Value is sufficient. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Policy Lapse Protection</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: To the extent the policy's Cash Surrender Value is insufficient to cover all other monthly deductions while benefits are being paid under the Rider, all monthly deductions will be waived and the policy will not Lapse. This includes monthly deductions for other In Force Riders. Premium requirements for any death benefit guarantee feature of the policy or any elected Rider are not waived. Once the Long-Term Care Rider benefit is no longer being paid, additional Premium may be necessary to prevent the policy from Lapsing. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The total amount of Rider benefits paid will be subtracted from the Total Specified Amount in calculating the Death Benefit. If the remaining Death Benefit is less than 10% of: the Base Policy Specified Amount minus any Indebtedness when the Insured dies and the Rider is In Force, a residual Death Benefit of: 10% of the Base Policy Specified Amount minus any Indebtedness will be paid. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Cash Surrender Value and Policy Loans</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Cash Surrender Value and the amount available for partial surrenders and policy loans will be reduced by the total amount of Long-Term Care benefits paid at the time a request is received. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Specified Amount Decreases</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: Decreases in the Base Policy Specified Amount or Total Specified Amount will result in a corresponding decrease in the Long-Term Care Specified Amount if the Base Policy Specified Amount or Total Specified Amount would otherwise be less than the Long-Term Care Specified Amount after the decrease. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Accelerated Death Benefit for Terminal Illness Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The total amount of long-term care benefits paid will be subtracted from the Death Benefit amount available to be accelerated if the Insured is terminally ill. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Terminating the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider will terminate when the policy matures, the Insured dies, the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked, the policy is terminated, or the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Referral Service </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Rider is elected, the Policy Owner will have access to a national long-term care services referral network via a toll-free telephone number. Services provided include free consultation and tailored information to assist in implementing a plan of care. There is no obligation to use these services which are currently provided through a third party paid for by Nationwide. There is no separate additional charge for this service. This service is subject to availability and may be modified, suspended, or discontinued at any time upon 30 days written notice. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Written notice of a claim must be given within 30 days after the Insured begins receiving qualified long-term care services. Written proof of claim, consisting of detailed documentation that describes and confirms the Insured is chronically ill and is receiving qualified long-term care services, must be given within 90 days. If Nationwide approves a claim, the benefit payable does not depend on the actual cost of qualified long-term care services received. The Policy Owner can elect to receive a monthly benefit of any amount between the minimum and maximum monthly benefit for the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If Nationwide determines that a benefit trigger has not been met, it will follow internal and external review processes consistent with applicable laws and regulations in the state of issue. The Policy Owner must give immediate notice when the receipt of qualified long-term care services has ceased or is no longer required. Nationwide, at its own expense, has the right to have the Insured examined as often as it may reasonably require while Long-Term Care Rider benefits are being paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide may contest claims payments under the Rider for misrepresentations made in the application for the Rider, an application for an increase of the Long-Term Care Specified Amount, or an application to reinstate the Rider after a Lapse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Long-Term Care Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly charge is deducted from the Cash Value if this Rider is elected. The charge compensates Nationwide for providing long-term care benefits upon the Insured meeting certain eligibility requirements. The Rider Charge is the product of a long-term care cost of insurance rate and the lesser of the Long-Term Care Rider's Specified Amount and the policy's Net Amount At Risk. The long-term care cost of insurance rate is based on Nationwide’s expectations as to the Insured’s potential need for long-term care over time and will vary by the Insured's sex, Attained Age (in some states Issue Age), underwriting class, and any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Long-Term Care Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Rider Charge is deducted from the Cash Value, electing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value. Additionally, any benefits paid pursuant to this Rider will reduce the Cash Surrender Value and Death Benefit.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Spouse Life Insurance Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Spouse Life Insurance Rider is a death benefit payable upon the death of the spouse named on the application ("Insured Spouse") to the designated beneficiary. If no beneficiary is designated, the benefit is payable to the Insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed on or after May 1, 2020,</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> the Spouse Life Insurance Rider is no longer available for election for new issues or post-issue election. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">For policies with applications signed prior to May 1, 2020,</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> this Rider may be purchased at any time while the policy is In Force, subject to underwriting approval and the following age restrictions: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Insured must be between Attained Age 21 and 59 (this Rider is no longer available on or after the policy anniversary on which the Insured reaches Attained Age 59); and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Insured Spouse must be between Attained Age 18 and 69 at the time this Rider is elected. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider will terminate on the earliest of: the policy anniversary on which the Insured Spouse reaches Attained Age 70, the date the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked, the date the Rider is converted to a new policy, the date the policy matures or otherwise terminates, or the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received in good order, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider has a conversion right. The Insured Spouse may exchange this Rider's benefit for a level Premium, level benefit, permanent plan of whole life insurance, subject to limitations.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon conversion, the Cash Value of the policy to which this Rider is attached will not be affected. No evidence of the Insured Spouse’s insurability is required for conversion. The following are required to exercise this conversion right: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the request must be submitted in writing to the Service Center; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the conversion right must be exercised while both: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the policy and Rider are In Force and not in a Grace Period (if the Insured under the policy dies anytime while this policy and Rider are In Force, the conversion must be applied for within 90 days after Nationwide receives proof of death for the Insured); and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">prior to the Rider anniversary date on which the Insured Spouse reaches Attained Age 66; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the amount of coverage available for any new policy purchased under this right of conversion is subject to the following: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the coverage amount of the new policy must be for the greater of $10,000 or the minimum amount available for the new policy under Nationwide’s policy issuance guidelines at the time; but </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">no more than 100% of the Spouse Life Insurance Rider Specified Amount; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the new policy must be for a plan of insurance Nationwide is issuing on the date of conversion; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Premium for the new policy will be based on the rates in effect on the date of conversion; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Premium rate for the new policy will be based on the Attained Age of the Insured Spouse on the date of conversion, the same class of risk as this Rider, if available, and the rates in use at that time. If this Rider's risk class is not available for the new policy, the next best risk class available will apply; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">no supplemental benefits or additional coverage may be added without evidence of the Insured Spouse's insurability and Nationwide’s consent. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The effective date of the new policy will be the date of conversion. The incontestability and suicide periods of the new policy will start on the effective date of this Rider.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:68.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume wife (the Insured) purchased a policy and elected the Spouse Life Insurance Rider </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">with a Spouse Life Insurance Rider Specified Amount of $50,000 and named husband as </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Insured Spouse. Both the Insured and Insured Spouse met the age requirements for the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider at the time of election. If Insured Spouse dies prior to reaching Attained Age 70 and </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Rider has not otherwise terminated, a death benefit in the amount of $50,000 is payable </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to the designated beneficiary.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Spouse Life Insurance Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Rider charge is deducted if this Rider is elected. The Spouse Life Insurance Rider Charge compensates Nationwide for providing term insurance on the life of the Insured Spouse. The Rider charge is the product of the Spouse Life Insurance Rider's Specified Amount and the Insured Spouse life insurance cost of insurance rate. The Insured Spouse life insurance cost of insurance rate is based on Nationwide’s expectations as to the mortality of the Insured Spouse. The Insured Spouse life insurance cost of insurance rate will vary by the Insured Spouse's sex, Attained Age, underwriting class, any Substandard Ratings, and the Spouse Life Insurance Rider's Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Spouse Life Insurance Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Spouse Life Insurance Rider Charge is deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value. Decreases in the Base Policy Specified Amount may result in a corresponding decrease in the Spouse Life Insurance Rider's Specified Amount.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Accelerated Death Benefit for Terminal Illness Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider is automatically issued with the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Accelerated Death Benefit for Terminal Illness Rider is the ability to accelerate receipt of a portion of the Base Policy Specified Amount in the form of a one-time, lump sum, advance payment if the Insured has a terminal illness. A terminal illness is a non-correctable illness diagnosed by a licensed physician where the Insured’s remaining life expectancy is 12 months or less (24 months or less in some states). The TI Accelerated Death Benefit Payment can be used for any purpose. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The receipt of accelerated death benefits may be taxable. The eligibility of the recipient to receive Medicaid or other government provided benefits may be adversely impacted. Prior to accepting accelerated death benefits, a tax advisor and applicable social service agencies should be consulted. The following restrictions on coverage apply to the Rider: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider only applies to coverage on the Insured under the base policy. It does not apply to any available Riders or insureds named under such Riders.</span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The effective date of the Rider must be at least two years before the Maturity Date. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Benefit amounts to be accelerated must not be subject to the policy’s incontestability period (two years from the date coverage is effective). </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Requested Percentage must not exceed fifty percent (50%) of the Base Policy Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Base Policy Specified Amount after processing of the acceleration request on the Rider effective date must be greater than or equal to the minimum Base Policy Specified Amount for the policy. In addition, Nationwide reserves the right to require the remaining Base Policy Specified Amount to be at least $50,000 after processing of the acceleration request on the Rider effective date. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the TI Accelerated Death Benefit Payment must be at least $10,000 and cannot exceed $250,000. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A signed acknowledgment of concurrence with the payment must be received from all assignees, irrevocable beneficiaries, and other interested parties under the policy. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Accelerated Death Benefit for Terminal Illness Rider may not be used if it is subject under law to the claims of any creditors. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the TI Accelerated Death Benefit Payment is made, policy values including Base Policy Specified Amount, Cash Value, Indebtedness (if any), required Premium (if any), and policy charges WILL BE REDUCED on the Rider effective date. The Base Policy Specified Amount will be reduced by an amount equal to the Base Policy Specified Amount multiplied by the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">requested benefit percentage. The Cash Value and other policy values will be reduced in the same proportion as the Base Policy Specified Amount. Consequently, policy values on which other policy features and benefits available under other Riders are based will also be reduced. Nationwide will provide a Rider specification page that shows the effect of the TI Unadjusted Accelerated Death Benefit Payment on policy values. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Terminal Illness Rider on other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Chronic Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for chronic illness at the same time, benefits will first be payable under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Critical Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for critical illness at the same time, benefits will first be payable under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">At any time when a terminal illness benefit payment has been paid, the dollar amount of monthly charge deductions waived will be calculated using the reduced Base Policy Specified Amount and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Overloan Lapse Protection </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon invoking the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider, this Rider will terminate. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Terminal Illness Rider Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Two charges are assessed in connection with the Rider at the time the benefit payment is processed: an Administrative Expense Charge and a Rider Charge. The Administrative Expense Charge will be deducted from the TI Unadjusted Accelerated Death Benefit Payment to compensate Nationwide for claims processing and other administrative expenses. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider Charge has two components: the interest rate discount component and the risk charge component. The risk charge component is not applicable in some states. The interest rate discount compensates Nationwide for acceleration of the payment of the Base Policy Specified Amount. It adjusts the Base Policy Specified Amount to its present value. The interest rate discount is shown on the Rider specification page. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The interest rate used for the interest rate discount component will never be greater than 8%. The interest rate is calculated using the greater of: (1) the current yield on 90-day treasury bills; or (2) the Moody’s Corporate Bond Yield Average – Monthly. In the event that Moody’s Corporate Bond Yield Average - Monthly is no longer published, Nationwide will use a substantially similar average, established by the applicable state’s insurance Commissioner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The risk charge component of the Rider Charge reflects the premature payment of a portion of the policy’s Death Benefit, Cost of Insurance Charge, and other policy charges that would have been due for coverage corresponding to the TI Accelerated Death Benefit Payment during the 12-month period following the Rider effective date. The risk charge component also covers the risk that the Insured might live longer than a 12-month period. The risk charge component is equal to the TI Unadjusted Accelerated Death Benefit Payment times the risk charge percentage shown on the Rider specification page. The maximum risk charge percentage is 3.6%. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider provides a ten day right to cancel (examination right). If the Rider is canceled and the benefit payment is returned, the Rider charges will be refunded to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Calculation of the Accelerated Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;">When making a claim for acceleration of the Death Benefit, a Policy Owner must elect a percentage of the Base Policy Specified Amount to receive. This elected percentage of the Base Policy Specified Amount is referred to as the "Requested Percentage." </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The net amount of the accelerated Death Benefit is determined by taking the product of the Requested Percentage and Base Policy Specified Amount and then subtracting: (1) the Rider Charge; (2) Administrative Expense Charge; (3) the product of the Requested Percentage and Indebtedness, and (4) any unpaid Premium if applicable. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit is calculated in accordance with the formula below:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[RP (SA)] – [RC + (RP x OPL) + UP + AEC]</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">TI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">RP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Requested Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount at the time the benefit is calculated</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">RC</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider charge</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">OPL</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">outstanding policy loans on the date the benefit is calculated</span></div></div></td></tr> <tr style="height:27pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">any unpaid Premium which is the amount of any Premium that might be due or payable if the policy is in a </span></div> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grace Period on the date the benefit is calculated</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:41.47pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">AEC</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:10.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:489.28pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Administrative Expense Charge</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:50pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Base Policy Specified Amount is $100,000, the Cash Value (CV) is $42,000, </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and the Requested Percentage (RP) of the Base Policy Specified Amount is 50%. Also </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">assume Indebtedness in the amount of $10,000, unpaid Premium of $500, an aggregate </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider charge of $3,500, and an Administrative Expense Charge of $250.</span></div></div></td></tr> <tr style="height:28pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, here is how the TI Accelerated Death Benefit (ADB) would </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">be calculated.</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[50% x $100,000)] – [$3,500 + (50% x $10,000) + $500 + $250]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[$50,000] – [$3,500 + $5,000 + $500 + $250]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[$50,000] – [$9,250]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$40,750</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;vertical-align:Top;width:420.0pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:28pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The reduction factor for calculating the remaining Base Policy Specified Amount and Cash </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is calculated as (1 – RP). (1 - .5) = .5</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;vertical-align:Top;width:420.0pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.5 x $100,000 = $50,000 the remaining Base Policy Specified Amount</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.5 x $42,000 = $21,000 the remaining Cash Value</span></div></div></td></tr> <tr style="height:13.5pt;"> <td colspan="3" style="background-color:#CCCCCC;vertical-align:Top;width:420.0pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement providing all of the values necessary to perform the calculation above at a particular point in time and a projection of impacts to policy values is available upon request by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility and Conditions for Payment </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The following eligibility and conditions apply for payment under the Rider: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider only applies to the single Insured under the base policy. The accelerated Death Benefit coverage does not apply to any insurance provided by elected Riders. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Requests for an application for the accelerated Death Benefit under the Rider must be received at the Service Center. Once Nationwide receives the request for an application, the forms necessary for filing a claim for the TI Accelerated Death Benefit Payment will be provided. Nationwide must receive the application for benefits under the Rider at the Service Center in writing. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide must receive satisfactory evidence that the Insured has a terminal illness as defined in the Rider. Satisfactory evidence includes a certification from a physician licensed in the United States that the Insured has a non-correctable terminal illness as defined in the Rider. A certifying physician cannot be the Insured, Policy Owner, beneficiary or a relative of any of these parties. Nationwide may obtain additional medical opinions and may choose to rely on the opinion of a physician acceptable to both parties, to the exclusion of the Insured’s certifying physician, to determine whether the terminal illness condition is satisfied.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Accelerated Death Benefit for Chronic Illness Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with this Rider is that, subject to the Insured meeting the eligibility requirements and Nationwide’s approval of a claim, the Policy Owner can request to be paid a lump sum of up to 20% of the CI Eligible Specified Amount once in any twelve-month period, subject to annual and lifetime dollar amount limitations on the available CI Unadjusted Accelerated Death Benefit Payment defined in the Rider and Policy Specification Pages. The CI Eligible Specified Amount, maximum annual and remaining lifetime CI Unadjusted Accelerated Death Benefit Payment and the maximum amount by which the Base Policy Specified Amount can be reduced and are subject to change if there are changes to Base Policy Specified Amount, change of Death Benefit option in effect, and/or payment of accelerated death benefits from other Riders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Chronic illness benefit payments represent an advance of a portion of the Base Policy Specified Amount that will ultimately reduce the Cash Value, Cash Surrender Value, Base Policy Specified Amount, and Death Benefit. A Policy Owner may request a CI Unadjusted Accelerated Death Benefit Payment less than the maximum available amount. Choosing an amount less than the available maximum could extend the length of time over which the benefit is available. However, the maximum annual benefit is not cumulative; taking less than the maximum benefit in one year does not add the difference to the maximum annual benefit amount available in succeeding years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The receipt of accelerated death benefits may be taxable, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. The eligibility of the recipient to receive Medicaid or other government provided benefits may be adversely impacted. Prior to accepting accelerated death benefits, a tax advisor and applicable social service agencies should be consulted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies with applications signed on or after May 1, 2021 or the date of state availability whichever is later, this Rider will be issued on the Policy Date with any policy that is not issued with the Long-Term Care Rider II and for which the Insured’s Attained Age is between 18 and 65 and they meet Nationwide’s underwriting requirements for this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider is only available for issue on the Policy Date. If this Rider is issued with the policy and the Policy Owner later applies for and is issued the Long-Term Care Rider II, this Rider will terminate. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility Requirements </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To invoke this Rider, the Insured must be certified by a licensed health care practitioner within 30 days prior to submitting a claim as: (1) having a severe cognitive impairment; or (2) unable to perform without substantial assistance at least two of the following activities of daily living: bathing, continence, dressing, eating, using the toilet facilities, or transferring (moving into or out of bed, chair, or wheelchair); and (3) being expected to need substantial supervision to protect the Insured from threats to health and safety due to cognitive impairment for the remainder of their life or substantial assistance with activities of daily living for the remainder of their life. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition, a 90-day waiting period beginning the day the Insured is certified must be satisfied for the first claim and for any subsequent claim that is submitted more than 90 calendar days after the anniversary of the most recent prior chronic illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Proof of care services received or expenses incurred is not required. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide has the right to verify that all criteria for eligibility have been satisfied, including review of the Insured's medical records and physical examinations of the Insured. Additionally, the following limitations on eligibility apply: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the condition a claim is based on must not be the result of an intentionally self-inflicted injury or attempted suicide, while sane or insane; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">applicable law must not require this benefit to meet the claims of creditors, whether in bankruptcy or otherwise; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Owner must not be required by a government agency to claim this benefit in order to apply for, obtain, or keep a government benefit or entitlement; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide must have received a signed acknowledgment of concurrence with the payment from all assignees, irrevocable beneficiaries, or other parties with an interest in the policy; and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the policy must not be disqualified as life insurance as defined in the Internal Revenue Code, as amended, as a result of the chronic illness benefit payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Chronic Illness Benefit Payment Calculation – Administrative Charge and Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A benefit payment under this Rider is equal to the CI Unadjusted Accelerated Death Benefit Payment on the applicable chronic illness benefit payment date minus the following charge and deductions in the order listed: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Rider’s administrative charge to compensate Nationwide for claims processing and other administrative expenses. The guaranteed maximum Rider administrative charge is $250; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any due and unpaid Premium and/or policy charges if the policy is in a Grace Period, which will be applied to the policy as Premium to pay the due and unpaid Premium and/or policy charges; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a portion of the CI Unadjusted Accelerated Death Benefit Payment equal to any Indebtedness multiplied by, the number one minus the CI Proportional Reduction Percentage, which will be applied as a loan repayment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement will be provided at the time of a claim stating the applicable Rider administrative charge, other deductions from the CI Unadjusted Accelerated Death Benefit Payment, and amount of the CI Accelerated Death Benefit Payment, as described above</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Chronic Illness Rider on the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Prior to processing the Rider’s benefit payment on the first chronic illness benefit payment date, if the death benefit option in effect is not Death Benefit Option 1 (level), it will be changed to Death Benefit Option 1 (level). The death benefit option is not permitted to be changed at any time after the first chronic illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">On each chronic illness benefit payment date, the Base Policy Specified Amount will be reduced by subtracting a dollar amount equal to the CI Unadjusted Accelerated Death Benefit Payment multiplied by a factor that is the lesser of the applicable guaranteed maximum Base Policy Specified Amount reduction factor stated in the Policy Specification Pages or a non-guaranteed Base Policy Specified Amount reduction factor determined by Nationwide. The result of this calculation will be reduction of the Base Policy Specified Amount by more than the CI Unadjusted Accelerated Death Benefit Payment Amount. Therefore, the total amount of benefit received if this Rider is invoked, Death Benefit Proceeds plus CI Accelerated Death Benefit Payments, will be less than the Death Benefit Proceeds that could be received if this Rider is not invoked. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The non-guaranteed Base Policy Specified Amount reduction factor determined by Nationwide will be calculated so that the CI Accelerated Death Benefit Payment will be at least equal to the reduction to the Cash Surrender Value resulting from payment of a claim, using: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a mortality assumption which may vary by the Attained Age and sex of the Insured; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an interest rate that will not exceed the greater of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the then current yield on 90-day treasury bills available on the applicable chronic illness benefit payment date; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the then current maximum adjustable policy loan interest rate based on applicable state insurance law limits and the Moody’s Corporate Bond Yield Average – Monthly published by Moody’s Investor Service, Inc., or successor thereto, for the calendar month ending two months before the applicable chronic illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The non-guaranteed Base Policy Specified Amount reduction factor will be determined at the time a claim is processed using Nationwide’s then current expectations for mortality for the Insured’s Attained Age and sex and then current interest rates. Higher expected mortality results in a lower non-guaranteed Specified Amount Reduction Factor. Higher interest rates at the time a claim is processed result in a higher non-guaranteed Specified Amount Reduction </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Factor. Nationwide uses a non-guaranteed Base Policy Specified Amount reduction factor to manage its risk in paying a portion of the Death Benefit prior to the Insured’s death while potentially providing a more favorable factor than could be offered if it was guaranteed on the Policy Date. The lower the Base Policy Specified Amount reduction factor used, the greater the CI Accelerated Death Benefit Payment. The applicable non-guaranteed Base Policy Specified Amount reduction factor can be obtained by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">On a guaranteed basis factors used to reduce the Base Policy Specified Amount will generally be lower as the Insured’s Attained Age increases, which may result in a smaller reduction of the Base Policy Specified Amount for the same CI Unadjusted Accelerated Death Benefit Payment taken at a later Attained Age. However, on a current basis the Base Policy Specified Amount reduction factor calculation can increase or decrease from one year to the next. Contact Nationwide for information about the Base Policy Specified Amount reduction factor applicable to the Insured at any time, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement will be provided at the time of a claim stating the amount of the applicable Base Policy Specified Amount reduction factor and the impact of taking the CI Accelerated Death Benefit Payment on policy values. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a claim for a chronic illness benefit payment is approved by Nationwide, each of the following policy elements are proportionally reduced by multiplying them by the CI Proportional Reduction Percentage: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">if greater than zero, any Cash Value in the order for partial surrenders, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Partial Surrender</span><span style="color:#000000;font-family:Arial;font-size:10pt;">; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any required Premium for the policy, policy features, and any other attached Riders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any other policy charges and policy values in effect at the time the request for payment is processed may change to reflect the new Base Policy Specified Amount, and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Partial Surrenders and Indebtedness on Rider Benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Taking partial Surrenders may reduce the Base Policy’s Specified Amount, the CI Eligible Specified Amount, and the maximum annual and lifetime CI Unadjusted Accelerated Death Benefit Payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Outstanding Indebtedness on the date a CI Accelerated Death Benefit Payment is calculated will reduce the amount of the CI Accelerated Death Benefit Payment, because a portion of any CI Unadjusted Accelerated Death Benefit Payment will be applied as a policy loan repayment. If Indebtedness is great enough, it may result in the entire CI Unadjusted Accelerated Death Benefit Payment, after deduction of the Rider administrative charge and any unpaid Premium or policy charges, being applied as a policy loan repayment. If, after deduction of the Rider administrative charge and any unpaid Premium or Policy charges, Indebtedness remains after application of the entire CI Unadjusted Accelerated Death Benefit Payment as a policy loan repayment, an additional policy loan repayment or Premium payment may be required to keep the policy In Force. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Chronic Illness Rider on other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Terminal Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for terminal illness at the same time, benefits will first be payable under the rider that accelerates the Death Benefit for terminal illness. Any chronic illness benefit payment payable will be based on the CI Eligible Specified Amount after reduction for payment of the accelerated Death Benefit for terminal illness. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Critical Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for critical illness at the same time, benefits will first be payable under the Rider that accelerates the Death Benefit for critical illness. Any CI Accelerated Death Benefit Payment payable will be based on the CI Eligible Specified Amount after reduction for payment of the accelerated Death Benefit for critical illness. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">At any time when chronic illness benefit payments have been paid, the dollar amount of monthly charge deductions waived will be calculated using the reduced Base Policy Specified Amount and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Overloan Lapse Protection </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon invoking the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider, this Rider will terminate.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide requires written proof of claim, consisting of detailed documentation that describes and confirms the Insured is chronically ill and is expected to need substantial supervision to protect the Insured from threats to health and safety due to cognitive impairment or substantial assistance with at least two activities of daily living for the remainder of their life. If Nationwide determines that a benefit trigger has not been met, it will follow internal and external review processes consistent with applicable laws and regulations in the state of issue. Nationwide reserves the right to require that the Insured, at their own expense for any necessary travel, be physically present in the United States, its territories or possessions, at the time of obtaining a written certification and at the time any medical opinions and physical examinations are obtained. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon receiving notice of a claim, a disclosure statement will be provided projecting the amount of the applicable Base Policy Specified Amount reduction factor and the impact of taking the CI Accelerated Death Benefit Payment on policy values. Within 30 days of receiving a CI Accelerated Death Benefit Payment, the Policy Owner may return it to the Service Center. The CI Accelerated Death Benefit Payment and related charges will be credited to the policy, and any related changes to the policy will be reversed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Terminating the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider terminates on the earliest of the following: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Monthaversary on or next following the date Nationwide receives the Policy Owner’s written request to terminate this Rider or add a rider that provides long-term care benefits; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">upon termination of the policy to which this Rider is attached; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an overloan lapse protection Rider, if applicable, is invoked; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Insured’s date of death. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Termination of this Rider, except due to a full surrender of the policy, will not prevent the payment of any accelerated Death Benefits for a chronic illness that occurred while this Rider was In Force, except when amounts have been paid or are payable as the Death Benefit. If termination of this Rider is due to a full surrender of the policy, no benefit will be payable under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Calculation of the Accelerated Death Benefit for Chronic Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The CI Accelerated Death Benefit Payment, reduced Base Policy Specified Amount, and reduced Cash Value are calculated in accordance with the formulas and example below: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Base Policy Specified Amount after payment of the CI Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">– Upmt * SARF</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount after payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount prior to payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UPmt</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Unadjusted Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SARF</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount reduction factor</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the CI Proportional Reduction Percentage:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Proportional Reduction Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount after payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount prior to payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[UPmt] – [AC + (1 – PRP) x OPL + UP]</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UPmt</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Unadjusted Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">AC</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Proportional Reduction Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">OPL</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness on the date the benefit is calculated</span></div></div></td></tr> <tr style="height:25pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UP</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">any unpaid Premium which is the amount of any Premium that might be due or payable if the policy is in a </span></div> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grace Period on the date the benefit is calculated</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Cash Value after payment of the CI Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> x PRP</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value after payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value prior to payment of CI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CI Proportional Reduction Percentage</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:50pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Base Policy Specified Amount is $500,000 and the CI Unadjusted Accelerated </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit Payment is $100,000. Also assume a Cash Value of $40,000, Indebtedness </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in the amount of $10,000, unpaid Premium of $500 and a Rider administrative charge of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$250. The Base Policy Specified Amount reduction factor in this example is 1.5.</span></div></div></td></tr> <tr style="height:39pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, the CI Accelerated Death Benefit Payment, the actual net </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit amount that Nationwide will pay, and reduction to the Base Policy Specified Amount </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and Cash Value are calculated as follows:</span></div></div></td></tr> <tr style="height:28pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Calculate the Base Policy Specified Amount after payment of the CI Accelerated Death </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$500,000 - $100,000 x 1.5</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$350,000</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Calculate the CI Proportional Reduction Percentage:</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">PRP</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">[($500,000 – $100,000 x 1.5) / $500,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$350,000 / $500,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">0.7</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Calculate the CI Accelerated Death Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$100,000 – [$250 + (1 – 0.7) x $10,000+ $500]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$100,000 – [$250 + $3,000 + $500]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$100,000 – $3,750</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$96,250</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Calculate the Cash Value after payment of the CI Accelerated Death Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$40,000 x 0.7</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$28,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement providing all of the values necessary to perform the calculation above at a particular point in time and a projection of impacts to policy values is available upon request by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Accelerated Death Benefit for Critical Illness Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with this Rider is that, subject to the Insured meeting the eligibility requirements and Nationwide’s approval of a claim, the Policy Owner can request to be paid a lump sum of the lesser of 10% of the CRI Eligible Specified Amount or $25,000, subject to annual and lifetime dollar amount limitations on the available CRI Unadjusted Accelerated Death Benefit Payment defined in the Rider and Policy Specification Pages. The CRI Eligible Specified Amount and the maximum annual and remaining lifetime CRI Unadjusted Accelerated Death Benefit Payment, are subject to change if there are changes to Base Policy Specified Amount, change of death benefit option in effect, and/or payment of accelerated death benefits from other Riders. The number of claims that may be paid under this Rider is limited to a maximum of 5. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Critical illness benefit payments represent an advance of a portion of the Base Policy Specified Amount that will ultimately reduce the Cash Value, Cash Surrender Value, Base Policy Specified Amount, and Death Benefit. A Policy Owner may request a CRI Unadjusted Accelerated Death Benefit Payment less than the maximum available amount. Choosing an amount less than the available maximum benefit in one year does not add the difference to the maximum annual benefit amount available in succeeding years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Note: The receipt of accelerated death benefits may be taxable, see Taxes. The eligibility of the recipient to receive Medicaid or other government provided benefits may be adversely impacted. Prior to accepting accelerated death benefits, a tax advisor and applicable social service agencies should be consulted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For policies with applications signed on or after May 1, 2021 or the date of state availability whichever is later, this Rider will be issued on the Policy Date with any policy for which the Insured’s Attained Age is between 18 and 65 and they meet Nationwide’s underwriting requirements for this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Eligibility Requirements </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To invoke this Rider, the Insured must have one of the following qualifying critical illness conditions, including any required diagnosis, physician qualifications, and completion of any required time of treatment or survival as described in the Rider: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">cancer; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">stroke; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">heart valve replacement/repair; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">heart attack; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">kidney failure; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">major organ transplant; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">paralysis; or </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">sudden cardiac arrest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide must receive written documentation dated after the Policy Date and within 365 days prior to submitting the claim that the Insured meets the applicable requirements of the critical illness qualifying condition on which a claim is based. A copy of the Rider with detailed requirements for each of the critical illness qualifying conditions is available upon request from our Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide has the right to verify that all criteria for eligibility have been satisfied, including review of the Insured's medical records and physical examinations of the Insured. Additionally, the following limitations on eligibility apply: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the qualifying critical illness condition was not the basis of a prior approved claim under this Rider; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the condition a claim is based on must not be the result of an intentionally self-inflicted injury or attempted suicide, while sane or insane; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">applicable law must not require this benefit to meet the claims of creditors, whether in bankruptcy or otherwise; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Owner must not be required by a government agency to claim this benefit in order to apply for, obtain, or keep a government benefit or entitlement; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide must have received a signed acknowledgment of concurrence with the payment from all assignees, irrevocable beneficiaries, or other parties with an interest in the policy; and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the policy must not be disqualified as life insurance as defined in the Internal Revenue Code, as amended, as a result of the critical illness benefit payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Critical Illness Benefit Payment Calculation – Administrative Charge and Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A benefit payment under this Rider is equal to the CRI Unadjusted Accelerated Death Benefit Payment on the applicable critical illness benefit payment date minus the following charges and deductions in the order listed: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Rider’s administrative charge to compensate Nationwide for claims processing and other administrative expenses. The guaranteed maximum Rider administrative charge is $250; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any due and unpaid Premium and/or policy charges if the policy is in a Grace Period, which will be applied to the policy as Premium to pay the due and unpaid Premium and/or policy charges; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a portion of the CRI Unadjusted Accelerated Death Benefit Payment equal to any Indebtedness multiplied by, the number one minus the CRI Proportional Reduction Percentage, which will be applied as a loan repayment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement will be provided at the time of a claim stating the applicable Rider administrative charge, other deductions from the CRI Unadjusted Accelerated Death Benefit Payment, and amount of the CRI Accelerated Death Benefit Payment, as described above. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Critical Illness Rider on the Policy </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Prior to processing the Rider’s benefit payment on the first critical illness benefit payment date, if the Death Benefit option in effect is not Death Benefit option 1 (level), it will be changed to Death Benefit option 1 (level). The Death Benefit option is not permitted to be changed at any time after the first critical illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">On each critical illness benefit payment date, the Base Policy Specified Amount will be reduced by subtracting a dollar amount equal to the CRI Unadjusted Accelerated Death Benefit Payment multiplied by a factor that is the lesser of the applicable guaranteed maximum Base Policy Specified Amount reduction factor stated in the Policy Specification Pages or a non-guaranteed Base Policy Specified Amount reduction factor determined by Nationwide. The result of this calculation will be reduction of the Base Policy Specified Amount by more than the CRI Unadjusted Accelerated Death Benefit Payment Amount. Therefore, the total amount of benefit received if this Rider is invoked, Death Benefit Proceeds plus CRI Accelerated Death Benefit Payments, will be less than the Death Benefit Proceeds that could be received if this Rider is not invoked. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The non-guaranteed Base Policy Specified Amount reduction factor determined by Nationwide will be calculated so that the CRI Accelerated Death Benefit Payment will be at least equal to the reduction to the Cash Surrender Value resulting from payment of a claim, using: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a mortality assumption which may vary by the Attained Age and sex of the Insured; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an interest rate that will not exceed the greater of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the then current yield on 90-day treasury bills available on the applicable critical illness benefit payment date; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the then current maximum adjustable policy loan interest rate based on applicable state insurance law limits and the Moody’s Corporate Bond Yield Averages – Monthly Average Corporates published by Moody’s Investor Service, Inc., or successor thereto, for the calendar month ending two months before the applicable critical illness benefit payment date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The non-guaranteed Base Policy Specified Amount reduction factor will be determined at the time a claim is processed using Nationwide’s then current expectations for mortality for the Insured’s Attained Age and sex and then current interest rates. Higher expected mortality results in a lower non-guaranteed Specified Amount Reduction Factor. Higher interest rates at the time a claim is processed result in a higher non-guaranteed Specified Amount Reduction Factor. Nationwide uses a non-guaranteed Base Policy Specified Amount reduction factor to manage its risk in paying a portion the Death Benefit prior to the Insured’s death while potentially providing a more favorable factor than could be offered if it was guaranteed on the Policy Date. The lower the Base Policy Specified Amount reduction factor used, the greater the CRI Accelerated Death Benefit Payment. The applicable non-guaranteed Base Policy Specified Amount reduction factor can be obtained by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">On a guaranteed basis factors used to reduce the Base Policy Specified Amount will generally be lower as the Insured’s Attained Age increases, which may result in a smaller reduction of the Base Policy Specified Amount for the same CRI Unadjusted Accelerated Death Benefit Payment taken at a later Attained Age. However, on a current basis the Base Policy Specified Amount reduction factor calculation can increase or decrease from one year to the next. Contact Nationwide for information about the Base Policy Specified Amount reduction factor applicable to the Insured at any time, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement will be provided at the time of a claim stating the amount of the applicable Base Policy Specified Amount reduction factor and the impact of taking the CRI Accelerated Death Benefit Payment on policy values. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a claim for a critical illness benefit payment is approved by Nationwide, each of the following policy elements are proportionally reduced by multiplying them by the CRI Proportional Reduction Percentage: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">if greater than zero, any Cash Value in the order for partial surrenders, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Partial Surrender</span><span style="color:#000000;font-family:Arial;font-size:10pt;">; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any required Premium for the policy, policy features, and any other attached Riders. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any other policy charges and policy values in effect at the time the request for payment is processed may change to reflect the new Base Policy Specified Amount, and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Partial Surrenders and Indebtedness on Rider Benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Taking partial Surrenders may reduce the Base Policy’s Specified Amount, the CRI Eligible Specified Amount, and the maximum annual and lifetime CRI Unadjusted Accelerated Death Benefit Payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Outstanding Indebtedness on the date a CRI Accelerated Death Benefit Payment is calculated will reduce the amount of the CRI Accelerated Death Benefit Payment, because a portion of any CRI Unadjusted Accelerated Death Benefit Payment will be applied as a policy loan repayment. If Indebtedness is great enough, it may result in the entire CRI Unadjusted Accelerated Death Benefit Payment, after deduction of the Rider administrative charge and any unpaid Premium or policy charges, being applied as a policy loan repayment. If, after deduction of the Rider administrative charge and any unpaid Premium or Policy charges, Indebtedness remains after application of the entire CRI Unadjusted Accelerated Death Benefit Payment as a policy loan repayment, an additional policy loan repayment or Premium payment may be required to keep the policy In Force. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Invoking the Accelerated Death Benefit for Critical Illness Rider on other Riders </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any portion of the Death Benefit accelerated to pay benefits under this Rider will reduce the amount available to pay benefits under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount. Benefits paid under any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount will reduce the amount available to pay benefits under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Before submitting a claim for benefits under this Rider, the Policy Owner should consult his/her financial professional. The Policy Owner can request a disclosure statement projecting the impact of making a claim under this Rider and any other Rider that pays a benefit as advance payment of a portion of the Base Policy Specified Amount for which the Insured meets the eligibility requirements. Additionally, illustrations based on the benefit paid as well as other methods of distributing money from the policy, such as loans and partial surrenders, if there </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">is Cash Value, can also be requested, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Contacting the Service Center</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. These resources can be used by the Policy Owner and their financial professional to determine whether making a claim is consistent with the purchaser’s life insurance objectives, tax situation, and other personal characteristics and needs. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Terminal Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for terminal illness at the same time, benefits will first be payable under the rider that accelerates the Death Benefit for terminal illness. Any critical illness benefit payment payable will be based on the CRI Eligible Specified Amount after reduction for payment of the accelerated Death Benefit for terminal illness. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Accelerated Death Benefit for Chronic Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured makes a claim for benefits under this Rider and a rider that permits acceleration of the Death Benefit for chronic illness at the same time, benefits will first be payable under this Rider. Any CI Accelerated Death Benefit Payment payable will be based on the CI Eligible Specified Amount after reduction for payment of the accelerated Death Benefit for critical illness. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deductions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">At any time when critical illness benefit payments have been paid, the dollar amount of monthly charge deductions waived will be calculated using the reduced Base Policy Specified Amount and Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;font-weight:bold;">Overloan Lapse Protection </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon invoking the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider, this Rider will terminate.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon receiving notice of a claim, a disclosure statement will be provided projecting the amount of the applicable Base Policy Specified Amount reduction factor and the impact of taking the CRI Accelerated Death Benefit Payment on policy values. Nationwide requires written proof of claim, consisting of detailed documentation that describes and confirms the Insured has been diagnosed with a qualifying Critical Illness condition. If Nationwide determines that a benefit trigger has not been met, it will follow internal and external review processes consistent with applicable laws and regulations in the state of issue. Nationwide reserves the right to require that the Insured, at their own expense for any necessary travel, be physically present in the United States, its territories or possessions, at the time of obtaining a written certification and at the time any medical opinions and physical examinations are obtained. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Within 30 days of receiving a CRI Accelerated Death Benefit Payment, the Policy Owner may return it to the Service Center. The CRI Accelerated Death Benefit Payment and related charges will be credited to the policy, and any related changes to the policy will be reversed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Terminating the Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider terminates on the earliest of the following: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Policy Monthaversary on or next following the date Nationwide receives the Policy Owner’s written request to terminate this Rider; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">upon termination of the policy to which this Rider is attached; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an overloan lapse protection Rider, if applicable, is invoked; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Insured’s date of death. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Termination of this Rider, except due to a full surrender of the policy, will not prevent the payment of any accelerated Death Benefits for a critical illness that occurred while this Rider was In Force, except when amounts have been paid or are payable as the Death Benefit. If termination of this Rider is due to a full surrender of the policy, no benefit will be payable under this Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Calculation of the Accelerated Death Benefit for Critical Illness </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The CRI Accelerated Death Benefit Payment, reduced Base Policy Specified Amount, and reduced Cash Value are calculated in accordance with the formulas below: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Base Policy Specified Amount after payment of the CRI Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> – Upmt * SARF</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount after payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount prior to payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UPmt</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Unadjusted Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SARF</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount reduction factor</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the CRI Proportional Reduction Percentage:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> / SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Proportional Reduction Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount after payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Policy Specified Amount prior to payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">[UPmt] – [AC + (1 – PRP) x OPL + UP]</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">ADB</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UPmt</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Unadjusted Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">AC</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Proportional Reduction Percentage</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">OPL</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Indebtedness on the date the benefit is calculated</span></div></div></td></tr> <tr style="height:25pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">UP</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">any unpaid Premium which is the amount of any Premium that might be due or payable if the policy is in a </span></div> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Grace Period on the date the benefit is calculated</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Calculate the Cash Value after payment of the CRI Accelerated Death Benefit Payment:</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:17pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> x PRP</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Where:</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value after payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:15pt;"> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">pre</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Value prior to payment of CRI Accelerated Death Benefit Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:51.72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">PRP</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:8.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4pt;vertical-align:Top;width:480.44pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">CRI Proportional Reduction Percentage</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:50pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Base Policy Specified Amount is $500,000 and the CRI Unadjusted </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death Benefit is $20,000. Also assume a Cash Value of $80,000, Indebtedness </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in the amount of $10,000, unpaid Premium of $500 and a Rider administrative charge of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$250. The Base Policy Specified Amount reduction factor in this example is 3.5.</span></div></div></td></tr> <tr style="height:39pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Using the above assumptions, the CRI Accelerated Death Benefit Payment, the actual net </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit amount that Nationwide will pay, and reduction to the Base Policy Specified Amount </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">and Cash Value are calculated as follows:</span></div></div></td></tr> <tr style="height:28pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Calculate the Base Policy Specified Amount after payment of the CRI Accelerated </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">Death Benefit Payment</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">SA</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$500,000 - $20,000 x 3.5</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$430,000</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Calculate the CRI Proportional Reduction Percentage:</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">PRP</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">[($500,000 – $20,000 x 3.5) / $500,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$430,000 / $500,000</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">0.86</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Calculate the CRI Accelerated Death Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$20,000 – [$250 + (1 – 0.86) x $10,000+ $500]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$20,000 – [$250 + $1,400 + $500]</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$20,000 – $2,150</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">ADB</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$17,850</span></div></div></td></tr> <tr style="height:17pt;"> <td colspan="3" style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420.0pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Calculate the Cash Value after payment of the CRI Accelerated Death Benefit Payment:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">CV</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:2.25pt;">post</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">=</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$80,000 x 0.86</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:57.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:338.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:18.34pt;">$68,800</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">A disclosure statement providing all of the values necessary to perform the calculation above at a particular point in time and a projection of impacts to policy values is available upon request by contacting the Service Center, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Contacting the Service Center.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Accidental Death Benefit Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Accidental Death Benefit Rider is the payment of a benefit to the named beneficiary, in addition to the Death Benefit, upon the Insured's accidental death. Accidental death means the Insured died within 90 days of sustaining, and as a result of, bodily injury caused by external, violent, and accidental means from a cause other than a risk not assumed. Risks not assumed vary by state. The Policy Owner should contact the Service Center to obtain a copy of the Accidental Death Benefit Rider applicable to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to Nationwide’s underwriting approval, the Rider may be purchased at any time on or after the policy anniversary on which the Insured reaches Attained Age 5 and before the policy anniversary on which the Insured reaches Attained Age 65 (while the policy is In Force). The Rider coverage continues until the Insured reaches Attained Age 70. This Rider will be effective until the Rider's term expires, the benefit has been paid, the policy terminates, or until the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:57.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the policy is issued with a Base Policy Specified Amount of $500,000, an </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accidental Death Benefit Rider Specified Amount of $100,000, and Death Benefit Option 1. </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If the Insured dies by accident as defined above prior to reaching Attained Age 70, the total </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death benefit paid to the beneficiary would be $600,000, as long as the Rider has not </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">otherwise terminated.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Accidental Death Benefit Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Accidental Death Benefit Rider Charge is deducted if you elect this Rider. The Accidental Death Benefit Rider Charge compensates Nationwide for providing coverage in the event of the Insured's accidental death. The Rider Charge is the product of the Accidental Death Benefit Rider's Specified Amount and the accidental death benefit cost of insurance rate. The accidental death benefit cost of insurance rate is based on Nationwide’s expectations as to the likelihood of the Insured's accidental death. The accidental death benefit cost of insurance rate will vary by the Insured's Attained Age and any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Accidental Death Benefit Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Accidental Death Benefit Rider Charge is deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Premium Waiver Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to Nationwide’s underwriting approval, this Rider may be purchased at any time on or after the policy anniversary on which the Insured reaches Attained Age 21 and before the policy anniversary on which the Insured reaches Attained Age 59 (while the policy is In Force). A Policy Owner may not purchase both this Rider and the Waiver of Monthly Deductions Rider. Nationwide will not approve issuance of the Rider for an Insured who is disabled at the time of application for the Rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Rider Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Premium Waiver Rider is a monthly credit to the policy upon the Insured's total disability for six consecutive months not caused by a risk not assumed. Risks not assumed vary by state. Risks not assumed are conditions that are excluded under the Rider. For details regarding risks not assumed, contact the Service Center to obtain a copy of the Premium Waiver Rider applicable to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount credited to the policy will be the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Premium specified by the Policy Owner; or </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the average actual monthly Premiums paid over the last 36 months prior to the disability (or such shorter period of time that the policy has been In Force). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The monthly credit applied pursuant to the Rider may not be sufficient to keep the policy from Lapsing. Purchasing this Rider could help preserve the Death Benefit. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Benefit Duration </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Insured is younger than Attained Age 63 at the time of the total disability, the Rider coverage continues until the Insured turns Attained Age 65. If the Insured is Attained Age 63 or older at the time of the total disability, the Rider coverage continues for two years. This Rider is effective until the Rider is terminated by written request to the Service Center, the policy terminates, or the later of: 1) the date the Insured reaches Attained Age 65 if the Insured is younger than Attained Age 63 at the time of the total disability; or 2) the date the Rider's benefit expires if the Insured is Attained Age 63 or older at the time of the total disability. When a written request to terminate the Rider is received in good order, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Interaction with the Waiver of Monthly Deductions Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">This Rider cannot be elected if the Waiver of Monthly Deductions Rider is elected, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Waiver of Monthly Deductions Rider. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the policy is currently In Force, the Rider is not otherwise terminated, and the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">following:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Insured has been totally disabled for six consecutive months;</span></div></div></td></tr> <tr style="height:28pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● At the time of disability, the policy was in its 8th policy year and the Insured’s Attained </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Age was 59;</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Premium Waiver Rider Specified Premium is $700; and</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Premiums paid over the 36 months prior to disability totaled $24,120.</span></div></div></td></tr> <tr style="height:46.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Since the average monthly Premium paid over the 36 months prior to the disability was </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$670 ($24,120 divided by 36), $670 will be credited to the policy’s Cash Value on each </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Policy Monthaversary only until the Insured reaches Attained Age 65, or until the Insured is </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">no longer disabled, if earlier.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Premium Waiver Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Premium Waiver Rider charge will be deducted if this Rider is elected. The Premium Waiver Rider charge compensates Nationwide for crediting the policy with the amount of scheduled due and payable Premium payments upon the Insured's total disability for six consecutive months. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Rider charge is the product of the Premium specified by the Policy Owner and the premium waiver charge rate. The premium waiver charge rate is based on Nationwide’s expectations as to the likelihood of the Insured's total disability for six consecutive months. The premium waiver rider monthly charge rates are established at issue and will not change while the Rider remains In Force. The premium waiver charge rates will vary by policy based on the Insured's sex, Attained Age, underwriting class, and any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Premium Waiver Rider charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Premium Waiver Rider charge is deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Additional Term Insurance Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Additional Term Insurance Rider is term life insurance on the Insured, in addition to that under the base policy. The Death Benefit Proceeds attributable to the Additional Term Insurance Rider are payable to the beneficiary upon the Insured's death if the Additional Term Insurance Rider is still In Force. The Additional Term Insurance Rider has no cash value and no loanable value nor does it modify any cash or loan values of the base policy. Policy Owners should request illustrations showing the impact of purchasing coverage with and without the Additional Term Insurance Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to Nationwide’s underwriting approval, this Rider may be purchased at any time while the policy is In Force and until the Insured reaches Attained Age 85. If purchased after the Policy Date, Nationwide will require evidence of insurability. The death benefit option for the base policy will also be the death benefit option for the Additional Term Insurance Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Additional Term Insurance Rider coverage terminates on the earliest of the following dates: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the date the Insured dies; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the original Maturity Date of the base policy; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the date the policy terminates; or </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Policy Owner cannot extend the Additional Term Insurance Rider coverage beyond the policy's Maturity Date, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Extending Coverage Beyond the Maturity Date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Additional Term Insurance Rider Impact </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Cost of Insurance Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Electing coverage under the Additional Term Insurance Rider, as opposed to electing coverage only under the base policy, should lower the Policy Owner's overall cost of insurance. This is due in part to the broker-dealer firm receiving less overall compensation for selling a policy with the Additional Term Insurance Rider. It is also possible that less Premium may be required to maintain to the Death Benefit over the life of the policy or that increased Premium may be needed if the Additional Term Insurance Rider is not purchased.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:57.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the Base Specified Amount is $500,000, the Death Benefit Option is 2, the Cash </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value is $40,000 and the Additional Term Insurance Rider Specified Amount is $300,000. </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon the death of the Insured, if there is no Indebtedness and no Long Term Care benefits </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">have been paid, the Base Death Benefit Proceeds will be $540,000 and the Additional Term </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Death Benefit Proceeds will be $300,000, for a total of $840,000.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Additional Term Insurance Rider Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Additional Term Insurance Rider cost of insurance charge and a monthly per $1,000 of Additional Term Insurance Rider Specified Amount charge will be deducted if the Rider is elected. These charges are deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because these charges are deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on the Cash Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Additional Term Insurance Rider Cost of Insurance Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Additional Term Insurance Rider cost of insurance charge compensates Nationwide for providing term life insurance on the Insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The monthly cost of insurance charge for this Rider is determined by multiplying the Rider monthly cost of insurance rate by the Rider death benefit. The Rider death benefit will be equal to the difference between the total Death Benefit and the base policy Death Benefit. The Additional Term Insurance Rider cost of insurance rate is based on Nationwide’s expectation as to the Insured's mortality and expense experience. The Additional Term Insurance Rider cost of insurance rate will vary by the Insured's sex, Attained Age, underwriting class, any Substandard Ratings, and the Total Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Per $1,000 of Additional Term Insurance Rider Specified Amount Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The per $1,000 of Additional Term Insurance Rider Specified Amount charge is compensates Nationwide for expenses associated with sales, underwriting, distribution, and issuance of the Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Additional Term Insurance Rider Specified Amount when the Rider issued and any increase of the Additional Term Insurance Rider Specified Amount will each have their own respective charge rates. Once a guaranteed charge rate has been established for an Additional Term Insurance Rider Specified Amount segment of coverage, it will remain the same while the Rider remains In Force regardless of any changes to the Additional Term Insurance Rider Specified Amount. The guaranteed maximum charge rate is stated in the Policy Specification Pages. On a current basis, we may charge less than the guaranteed maximum rate. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The per $1,000 of Additional Term Insurance Rider Specified Amount charge rate for each per $1,000 of Additional Term Insurance Rider Specified Amount segment of coverage may vary by the per $1,000 of Additional Term Insurance Rider Specified Amount, Total Specified Amount, Insured’s Attained Age, and death benefit option in effect, sex, rate class, rate type, and any Substandard Ratings in effect when the Rider is issued or effective date of an increase. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Monthly per $1,000 of Additional Term Insurance Rider Specified Amount charge rates are generally lower for Insureds who are younger and in good health, larger Total Specified Amounts, and policies with Death Benefit Option 1. A Policy Owner should request an illustration from his/her financial professional to determine how various levels of coverage and death benefit option impact the cost of the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The charge is determined by dividing the Additional Term Insurance Rider Specified Amount in effect on the Rider’s effective date, and the amount of each increase in the Additional Term Insurance Rider Specified Amount at the time the segment of coverage was created, by $1,000. The results are then multiplied by the applicable respective charge rates. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The charges for each Additional Term Insurance Rider Specified Amount segment, when added together, will equal the total monthly per $1,000 of Additional Term Insurance Rider Specified Amount charge. The charge for a segment of coverage will not be reduced or removed even if the associated segment of coverage is later decreased or removed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide may assess the monthly per $1,000 of Additional Term Insurance Rider Specified Amount charge in all policy years on a guaranteed basis. Currently, the charge is assessed for 7 years measured from the Rider’s effective date for the initial Additional Term Insurance Rider Specified Amount or the effective date of any increase of the Additional Term Insurance Rider Specified Amount.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to Nationwide’s underwriting approval, this Rider may be purchased at any time on or after the policy anniversary on which the Insured reaches Attained Age 21 and before the policy anniversary on which the Insured reaches Attained Age 59 (as long as the policy is In Force). A Policy Owner may not purchase both this Rider and the Premium Waiver Rider. Nationwide will not approve issuance of the Rider for an Insured who is disabled at the time of application for the Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Benefits Provided by this Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The benefit associated with the Waiver of Monthly Deductions Rider is a waiver of policy charges in the event the Insured becomes totally disabled. Monthly charges will not be waived until the Insured has been disabled for six consecutive months. No benefit is available if total disability results from a risk not assumed; risks not assumed may vary by state. Risks not assumed are conditions that are excluded under the Rider. For details regarding risks not assumed, contact the Service Center to obtain a copy of the Waiver of Monthly Deductions Rider applicable to the policy. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> This Rider's benefit alone may not be sufficient to keep the policy from Lapsing. The Policy Owner may need to make additional Premium payments to prevent Lapse even while the Rider's benefit is being paid. However, while the Rider's benefit is being paid, it will cost less on a monthly basis to keep the policy In Force. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Benefit Duration </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The duration of the benefit depends on the Insured's Attained Age at the beginning of the total disability. If the Insured's total disability began before the Insured reached Attained Age 60, the benefit continues for as long as the Insured is totally disabled (even if that disability extends past when the Insured reaches Attained Age 65) or until the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked. If the Insured's total disability begins when the Insured is between the Attained Age of 60 and 63, the benefit continues until the Insured reaches Attained Age 65. If the Insured's total disability begins after the Insured reaches Attained Age 63, the benefit continues for two years. This Rider is effective until the Rider’s term expires, the Overloan Lapse Protection Rider II or Overloan Lapse Protection Rider is invoked, the policy terminates, or until the Rider is terminated by written request to the Service Center. When a written request to terminate the Rider is received, termination will be effective the Policy Monthaversary coinciding with or next following receipt of the written request to terminate by the Service Center. Upon termination of the Rider, benefits will no longer be available and the Rider charge will no longer be assessed. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume the following:</span></div></div></td></tr> <tr style="height:90.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Waiver of Monthly Deductions Rider is elected and the Premium Waiver Rider has </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">not been purchased;</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The Insured has been totally disabled for six consecutive months and the Insured’s </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">disability is not a result of a risk not assumed; and</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● At the time of disability, the Insured’s Attained Age was 57.</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:10.16pt;"> </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The policy’s monthly deductions will be waived (not deducted from the Cash Value) until the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured is no longer disabled, or until the Waiver of Monthly Deductions Rider is terminated.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Waiver of Monthly Deductions Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A monthly Waiver of Monthly Deductions Rider Charge will be deducted if this Rider is elected. The Rider charge compensates Nationwide for waiving the policy's monthly charges upon the Insured's total disability for six consecutive months. The Rider charge is the product of the monthly policy charges (excluding the cost for this Rider) and the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">deduction waiver cost rate. The waiver of monthly deductions cost rate is based on Nationwide’s expectations as to the likelihood of the Insured's total disability for six consecutive months. The deduction waiver cost rate varies by the Insured's Attained Age and any Substandard Ratings. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Waiver of Monthly Deductions Rider Charge is deducted monthly as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">How Monthly Charges are Deducted</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Because the Waiver of Monthly Deductions Rider Charge is deducted from Cash Value, purchasing this Rider could reduce the amount of Proceeds payable when the Death Benefit depends on Cash Value.</span> <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">The Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Standard Death Benefit Options</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Policy Owners have a choice of one of three available death benefit options under the policy. If a death benefit option is not selected, Nationwide will issue the policy with Death Benefit Option 1. Not all death benefit options are available in all states.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Death Benefit will be the greater of the amount produced by the death benefit option in effect on the date of the Insured's death </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">or</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> the Minimum Required Death Benefit, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">The Minimum Required Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit Option 1</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Death Benefit will be the Total Specified Amount as of the Insured's date of death.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit Option 2</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Death Benefit will be the Total Specified Amount plus the Cash Value as of the Insured's date of death.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit Option 3</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Death Benefit will be the Total Specified Amount plus the accumulated Premium account (which consists of all Premium payments, up to the maximum stated in the Policy Specification Pages, plus interest), less any partial surrenders, as of the Insured's date of death.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The interest rate attributable to the accumulated Premium account is referred to as the Death Benefit Option 3 Interest Rate and is stated in the Policy Specification Pages. The maximum permitted dollar amount of the accumulated Premium account is subject to underwriting limitations in effect at the time of application, is referred to as the Death Benefit Option 3 Maximum Returnable Premium, and is stated in the Policy Specification Pages at issue. Contact the Service Center to request current information regarding the Death Benefit Option 3 Maximum Returnable Premium amount.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Calculation of the Death Benefit</span><span style="font-family:Arial;font-size:10pt;">The Death Benefit will be calculated when Nationwide has received (at the Service Center) all information required to process the claim for Death Benefit</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">Proceeds, including, but not limited to, proof that the Insured has died and any other information Nationwide may reasonably require. The Death Benefit may be subject to an adjustment if an error or misstatement was made upon application, the Insured dies by suicide, benefits were paid under a Rider that accelerated all or a portion of the Death Benefit, and if the Long-Term Care Rider II is elected, when the Rider’s</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">Lapse protection feature is keeping the policy In Force when the Insured dies. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">While the policy is In Force, the Death Benefit will never be less than the Base Policy Specified Amount. The Death Benefit will depend on the death benefit option elected, certain Riders, and the tax test elected as discussed in greater detail below. The Death Benefit may vary with the Cash Value of the policy, which is affected by Investment Experience, Indebtedness, and any due and unpaid monthly deductions that accrued during a Grace Period.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">The Minimum Required Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The policy has a Minimum Required Death Benefit. The Minimum Required Death Benefit is the lowest Death Benefit that will qualify the policy as life insurance under Section 7702 of the Code. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The tax tests for life insurance generally require that the policy have a significant element of life insurance and not be primarily an investment vehicle. At the time the policy is issued, the Policy Owner</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">irrevocably elects one of the following tests to qualify the policy as life insurance under Section 7702 of the Code: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the cash value accumulation test; or </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the guideline premium/cash value corridor test. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a specific test is not elected, Nationwide will issue the policy with the guideline premium/cash value corridor test. Note: For policies with applications signed prior to June 14, 2021, if the cash value accumulation test was elected, the Overloan Lapse Protection Rider was not available. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Cash Value Accumulation Test </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The cash value accumulation test determines the Minimum Required Death Benefit by multiplying the Cash Value by a percentage calculated as described in the Code. The percentages depend upon the Insured's age, sex, and underwriting classification. Under the cash value accumulation test, there is no limit to the amount that may be paid in Premiums as long as there is sufficient Death Benefit in relation to the Cash Value at all times. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Guideline Premium/Cash Value Corridor Test </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The guideline premium/cash value corridor test determines the Minimum Required Death Benefit by comparing the Death Benefit to an applicable percentage of the Cash Value. These percentages are set out in the Code, but the percentage varies only by the Attained Age of the Insured. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In deciding which test to elect for the policy, consider the following: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The cash value accumulation test generally allows flexibility to pay more Premium, subject to Nationwide's approval of any increase in the policy's Net Amount At Risk that would result from higher Premium payments. Premium payments under the guideline premium/cash value corridor test are limited by Section 7702 of the Code. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Generally, the guideline premium/cash value corridor test produces a higher Death Benefit in the early years of the policy while the cash value accumulation test produces a higher Death Benefit in the policy's later years. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Monthly cost of insurance charges that vary with the amount of the Death Benefit may be greater during the years when the elected test produces a higher Death Benefit. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Regardless of which test is elected, Nationwide will monitor compliance to ensure that the policy meets the statutory definition of life insurance under the Code. As a result, the Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Proceeds payable under a policy should be excludable from gross income of the beneficiary for federal income tax purposes. Nationwide may refuse additional Premium payments or return Premium payments so that the policy continues to meet the Code's definition of life insurance. Consult a qualified tax advisor on all tax matters involving the policy.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Changes in the Death Benefit Option</span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the first policy year, a Policy Owner may elect to change the death benefit option from either Death Benefit Option 1 to Death Benefit Option 2, or from Death Benefit Option 2 to Death Benefit Option 1. A Policy Owner may not change to Death Benefit Option 3. However, a Policy Owner may change from Death Benefit Option 3 to Death Benefit Option 1 or Death Benefit Option 2. Nationwide will permit only one change of the death benefit option per policy year. The effective date of a change will be the Policy Monthaversary following the date Nationwide approves the change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For any change in the death benefit option to become effective, the Cash Surrender Value, or Premiums paid under the Guaranteed Policy Continuation Provision if applicable, after the change must be sufficient to keep the policy In Force for at least three months.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon effecting a death benefit option change, the Total Specified Amount may be changed (either increased or decreased) so that the Net Amount At Risk remains the same before and after the change on the date of the change. Because the policy's Net Amount At Risk remains the same before and after the change, changing the death benefit option and preserving the Net Amount At Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">by itself</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> does not alter the policy charges. The policy charges going forward will be based on the adjusted Total Specified Amount, except for the per $1,000 of Specified Amount charge, which will continue to be based on the original Total Specified Amount for each segment of insurance coverage. Depending on changes in factors such as fluctuations in the policy's Cash Value, these charges may increase or decrease after the death benefit option change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Policy Owner should request an illustration demonstrating the impact of a change in the policy's death benefit option. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide will refuse a death benefit option change that would reduce the Total Specified Amount to a level where the Premium already paid would exceed any Premium limitations under the Code.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Where the Policy Owner has selected the guideline premium/cash value corridor test, a change in death benefit option will not be permitted if it results in the total Premium paid exceeding any Premium limitations under Section 7702 of the Code.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Incontestability </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide will not contest payment of the Death Benefit based on the initial Total Specified Amount after the policy has been In Force during the Insured's lifetime for two years from the Policy Date, and, in some states, within two years from a reinstatement date. For any change in Total Specified Amount requiring evidence of insurability, Nationwide will not contest payment of the Death Benefit based on such increase after it has been In Force during the Insured's lifetime for two years from its effective date, and, in some states, within two years from a subsequent reinstatement date. The incontestability period in some states may be less than two years.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Suicide </span><span style="font-family:Arial;font-size:10pt;">If the Insured dies by suicide within two years from the Policy Date, and, in some states, within two years of a reinstatement date, Nationwide will pay no more than the sum of the Premiums paid, less any Indebtedness, partial surrenders, and any benefits paid as an acceleration of the Base Policy Specified Amount. Similarly, if the Insured dies by suicide within two years from the date an application for an increase in the Total Specified Amount is accepted by Nationwide, and, in some states, within two years from a subsequent reinstatement date, Nationwide will pay no more than the Death Benefit Proceeds associated with insurance that has been In Force for at least two years from the Policy Date, plus all policy charges associated with any increase in Total Specified Amount that has been In Force for a shorter period. The suicide period in some states may be less than two years.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit Option 1</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Death Benefit will be the Total Specified Amount as of the Insured's date of death.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit Option 2</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Death Benefit will be the Total Specified Amount plus the Cash Value as of the Insured's date of death.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit Option 3</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: The Death Benefit will be the Total Specified Amount plus the accumulated Premium account (which consists of all Premium payments, up to the maximum stated in the Policy Specification Pages, plus interest), less any partial surrenders, as of the Insured's date of death.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The interest rate attributable to the accumulated Premium account is referred to as the Death Benefit Option 3 Interest Rate and is stated in the Policy Specification Pages. The maximum permitted dollar amount of the accumulated Premium account is subject to underwriting limitations in effect at the time of application, is referred to as the Death Benefit Option 3 Maximum Returnable Premium, and is stated in the Policy Specification Pages at issue. Contact the Service Center to request current information regarding the Death Benefit Option 3 Maximum Returnable Premium amount.</span> <span style="font-family:Arial;font-size:10pt;">The Death Benefit will be calculated when Nationwide has received (at the Service Center) all information required to process the claim for Death Benefit</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">Proceeds, including, but not limited to, proof that the Insured has died and any other information Nationwide may reasonably require. The Death Benefit may be subject to an adjustment if an error or misstatement was made upon application, the Insured dies by suicide, benefits were paid under a Rider that accelerated all or a portion of the Death Benefit, and if the Long-Term Care Rider II is elected, when the Rider’s</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">Lapse protection feature is keeping the policy In Force when the Insured dies. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">While the policy is In Force, the Death Benefit will never be less than the Base Policy Specified Amount. The Death Benefit will depend on the death benefit option elected, certain Riders, and the tax test elected as discussed in greater detail below. The Death Benefit may vary with the Cash Value of the policy, which is affected by Investment Experience, Indebtedness, and any due and unpaid monthly deductions that accrued during a Grace Period.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Changes in the Death Benefit Option</span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the first policy year, a Policy Owner may elect to change the death benefit option from either Death Benefit Option 1 to Death Benefit Option 2, or from Death Benefit Option 2 to Death Benefit Option 1. A Policy Owner may not change to Death Benefit Option 3. However, a Policy Owner may change from Death Benefit Option 3 to Death Benefit Option 1 or Death Benefit Option 2. Nationwide will permit only one change of the death benefit option per policy year. The effective date of a change will be the Policy Monthaversary following the date Nationwide approves the change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For any change in the death benefit option to become effective, the Cash Surrender Value, or Premiums paid under the Guaranteed Policy Continuation Provision if applicable, after the change must be sufficient to keep the policy In Force for at least three months.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon effecting a death benefit option change, the Total Specified Amount may be changed (either increased or decreased) so that the Net Amount At Risk remains the same before and after the change on the date of the change. Because the policy's Net Amount At Risk remains the same before and after the change, changing the death benefit option and preserving the Net Amount At Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">by itself</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> does not alter the policy charges. The policy charges going forward will be based on the adjusted Total Specified Amount, except for the per $1,000 of Specified Amount charge, which will continue to be based on the original Total Specified Amount for each segment of insurance coverage. Depending on changes in factors such as fluctuations in the policy's Cash Value, these charges may increase or decrease after the death benefit option change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Policy Owner should request an illustration demonstrating the impact of a change in the policy's death benefit option. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide will refuse a death benefit option change that would reduce the Total Specified Amount to a level where the Premium already paid would exceed any Premium limitations under the Code.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Where the Policy Owner has selected the guideline premium/cash value corridor test, a change in death benefit option will not be permitted if it results in the total Premium paid exceeding any Premium limitations under Section 7702 of the Code.</span> <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Appendix A: Underlying Mutual Funds Available Under the Policy </span><span style="font-family:Arial;font-size:10pt;">The following is a list of underlying mutual funds available under the policy. More information about the underlying mutual funds is available in the prospectuses for the underlying mutual funds, which may be amended from time to time and can be found online at https://nationwide.onlineprospectus.net/NW/C000200827NW/index.php. This information can also be obtained at no cost by calling 1-800-848-6331 or by sending an email request to FLSS@nationwide.com. The availability of investment options may vary depending on the broker-dealer through which the policy is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Appendix D: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;">). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the underlying mutual funds, but do not reflect the other fees and expenses that the policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each underlying mutual fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9pt;">*</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This underlying mutual fund’s current expenses reflect a temporary fee reduction.</span> <span style="font-family:Arial;font-size:10pt;">The following is a list of underlying mutual funds available under the policy. More information about the underlying mutual funds is available in the prospectuses for the underlying mutual funds, which may be amended from time to time and can be found online at https://nationwide.onlineprospectus.net/NW/C000200827NW/index.php. This information can also be obtained at no cost by calling 1-800-848-6331 or by sending an email request to FLSS@nationwide.com. The availability of investment options may vary depending on the broker-dealer through which the policy is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Appendix D: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;">). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the underlying mutual funds, but do not reflect the other fees and expenses that the policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each underlying mutual fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:34.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Underlying Mutual Fund and Adviser/Sub-Adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:110.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Returns</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:54pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AllianceBernstein Variable Products Series Fund, Inc. - AB VPS </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">International Value Portfolio: Class B</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2020</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.15%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">41.27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.37%</span></div></div></td></tr> <tr style="height:54pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AllianceBernstein Variable Products Series Fund, Inc. - AB VPS </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Sustainable Global Thematic Portfolio: Class B</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2026</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">AllianceBernstein L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.19%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.80%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - Global Small Capitalization </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class 4</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.15%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.96%</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - Growth Fund: Class 2</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">20.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">17.97%</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - New World Fund®: Class 2</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.82%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">28.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.25%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - U.S. Government Securities </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class 2</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.50%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">-0.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.70%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - Washington Mutual </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Investors Fund: Class 4</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.75%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">16.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.08%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">BlackRock Variable Series Funds II, Inc. - BlackRock High Yield </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">V.I. Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock International Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.54%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.25%</span></div></div></td></tr> <tr style="height:54pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">BlackRock Variable Series Funds, Inc. - BlackRock Global </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Allocation V.I. Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock International Limited and BlackRock </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">(Singapore) Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.76%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">19.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.59%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Deutsche DWS Variable Series I - DWS Capital Growth VIP: Class </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">A</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Investment Management Americas, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.29%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Deutsche DWS Variable Series II - DWS Global Income Builder </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">VIP: Class A</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Investment Management Americas, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.43%</span></div></div></td></tr> <tr style="height:41.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA Global </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Bond Portfolio</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors Ltd. And DFA Australia Limited</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.21%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.35%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.38%</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.81% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:34.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Underlying Mutual Fund and Adviser/Sub-Adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:110.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Returns</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA Global </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Moderate Allocation Portfolio: Institutional Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.28%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.65%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">International Small Portfolio</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors Ltd. And DFA Australia Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.39%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">36.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.89%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.68%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">International Value Portfolio</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors Ltd. And DFA Australia Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">45.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.46%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA Short-</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Term Fixed Portfolio</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors Ltd. And DFA Australia Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.65%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.97%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA U.S. </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Large Value Portfolio</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.51%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA U.S. </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Targeted Value Portfolio</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.00%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VIT </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Inflation-Protected Securities Portfolio: Institutional Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.05%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.12%</span></div></div></td></tr> <tr style="height:74pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products - Emerging Markets Portfolio: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FIL Investment Advisors, FIL Investment Advisors (UK) </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Limited, FMR Investment Management (UK) Limited, Fidelity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">41.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.82%</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Contrafund® </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">21.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.66%</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Energy Portfolio: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">23.86%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.69%</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Growth Portfolio: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.65%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">17.33%</span></div></div></td></tr> <tr style="height:71.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Overseas </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FIL Investment Advisors, FIL Investment Advisors (UK) </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Limited, FMR Investment Management (UK) Limited, Fidelity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.82%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">20.28%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.51%</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.82% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:34.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Underlying Mutual Fund and Adviser/Sub-Adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:110.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Returns</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:84pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Real Estate </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2023</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.77%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Utilities Portfolio: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.51%</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Value Strategies </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class 2</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.54%</span></div></div></td></tr> <tr style="height:54pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Franklin Templeton Variable Insurance Products Trust - Franklin </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Income VIP Fund: Class 1</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2022</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.47%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.57%</span></div></div></td></tr> <tr style="height:54pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Franklin Templeton Variable Insurance Products Trust - </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Templeton Global Bond VIP Fund: Class 1</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2019</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.50%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">16.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">-0.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.11%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Goldman Sachs Variable Insurance Trust - Goldman Sachs Mid </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Cap Growth Fund: Institutional Shares</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Goldman Sachs Asset Management, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.83%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.77%</span></div></div></td></tr> <tr style="height:54pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco - Invesco V.I. Balanced-Risk Allocation Fund: Series I </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Shares</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2026</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.88%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.17%</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.86%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.38%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco - Invesco V.I. Global Fund: Series I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2023</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.28%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.00%</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco - Invesco V.I. Main Street Small Cap Fund: Series I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.59%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco V.I. International Growth Fund: Series I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2023</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.00%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">16.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.64%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Enterprise Portfolio: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Shares</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.35%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.51%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Global Research </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Shares</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">20.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.64%</span></div></div></td></tr> <tr style="height:31.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Global Sustainable Equity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Institutional Shares</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.74%*</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">17.46%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:34.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Underlying Mutual Fund and Adviser/Sub-Adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:110.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Returns</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Global Technology and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Innovation Portfolio: Service Shares</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">24.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">21.18%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Overseas Portfolio: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Shares</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">28.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.97%</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class VC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Lord, Abbett &amp; Co. LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.28%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust - MFS Mid Cap Growth Series: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.06%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.40%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.32%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust - MFS Utilities Series: Initial Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2026</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.78%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.49%</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust - MFS Value Series: Initial Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.69%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.05%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust II - MFS International Growth </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Initial Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.88%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">21.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.88%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust III - MFS Limited Maturity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.73%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.44%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust III - MFS Mid Cap Value Portfolio: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.79%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.95%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT American Funds Asset </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Allocation Fund: Class II</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.92%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.36%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT American Funds </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Global Growth Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Aggressive </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.90%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">18.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.49%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Balanced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.78%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.70%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Capital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Appreciation Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.81%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.05%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.60%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Conservative Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.74%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.04%</span></div></div></td></tr> <tr style="height:61.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Managed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Growth &amp; Income Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2026</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.74%*</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.39%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.04%</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.69% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:34.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Underlying Mutual Fund and Adviser/Sub-Adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:110.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Returns</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Managed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Growth Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2026</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.73%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.28%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.05%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Moderate </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.80%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.72%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Aggressive Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.86%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">16.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.54%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Conservative Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.78%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.87%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">U.S. Core Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Newton Investment Management Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.62%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">17.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.44%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Bond Index Fund: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.39%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">-0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.63%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT DoubleLine Total </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Return Tactical Fund: Class II</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DoubleLine Capital LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.98%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Preservation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Government Money </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund: Class V</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Federated Investment Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.89%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT International Equity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Lazard Asset Management LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.88%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">39.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.94%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT International Index </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.47%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">30.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.91%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Invesco Small Cap </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Growth Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">16.36%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.94%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.73%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Aggressive Fund: Class P</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">19.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.66%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Balanced Fund: Class P</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.19%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Capital Appreciation Fund: Class P</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.02%</span></div></div></td></tr> <tr style="height:31.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Conservative Fund: Class P</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.77%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.99%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.10%</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.53% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:34.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Underlying Mutual Fund and Adviser/Sub-Adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:110.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Returns</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Managed Growth &amp; Income Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2026</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.67%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.33%</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Managed Growth Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2026</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.71%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.71%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Moderate Fund: Class P</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.09%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Moderately Aggressive Fund: Class P</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">17.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.79%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Moderately Conservative Fund: Class P</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.94%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.28%</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT iShares® Fixed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Income ETF Fund: Class II</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2026</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.72%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">-0.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT iShares® Global </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Equity ETF Fund: Class II</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.75%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">18.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.86%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Cap Growth Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Jacobs Levy Equity Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.70%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">19.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">18.02%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Loomis Core Bond </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Loomis, Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">-0.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.08%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Loomis Short Term </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Bond Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Loomis, Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.38%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.05%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.28%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT NASDAQ-100 Index </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.47%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:41.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT S&amp;P 500 Index Fund: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.24%*</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">17.60%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.15%</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.55% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:34.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Underlying Mutual Fund and Adviser/Sub-Adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:110.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Returns</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class II</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.58%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.10%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Strategic Income </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Amundi Asset Management, US</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">5.45%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Victory Mid Cap Value </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Victory Capital Management Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.85%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.39%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">7.66%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Northern Lights Fund Trust II - M Capital Appreciation Fund</span><span style="font-family:Arial;font-size:9pt;font-weight:bold;line-height:10pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">(formerly, M Fund, Inc. - M Capital Appreciation Fund)</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">M. Financial Investment Advisers, Inc.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Frontier Capital Management Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">17.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">11.14%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Northern Lights Fund Trust II - M International Equity Fund</span><span style="font-family:Arial;font-size:9pt;font-weight:bold;line-height:10pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">(formerly, M Fund, Inc. - M International Equity Fund)</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">M. Financial Investment Advisers, Inc.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">28.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.70%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Northern Lights Fund Trust II - M Large Cap Growth Fund</span><span style="font-family:Arial;font-size:9pt;font-weight:bold;line-height:10pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">(formerly, M Fund, Inc. - M Large Cap Growth Fund)</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">M. Financial Investment Advisers, Inc.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Federated Hermes, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">19.61%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.06%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Northern Lights Fund Trust II - M Large Cap Value Fund</span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> (formerly, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">M Fund, Inc. - M Large Cap Value Fund)</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">M. Financial Investment Advisers, Inc.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Brandywine Global Investment Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.43%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Real Assets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">PIMCO Variable Insurance Trust - CommodityRealReturn® </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Strategy Portfolio: Administrative Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.19%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">18.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.54%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">PIMCO Variable Insurance Trust - Short-Term Portfolio: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Administrative Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.65%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">2.76%</span></div></div></td></tr> <tr style="height:54pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Putnam Variable Trust - Putnam VT International Value Fund: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class IA</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam Investment Management, LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc., Franklin Templeton Investment </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management Limited, The Putnam Advisory Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">35.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">12.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.13%</span></div></div></td></tr> <tr style="height:54pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Putnam Variable Trust - Putnam VT Large Cap Value Fund: Class </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">IA</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam Investment Management, LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc., Franklin Templeton Investment </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">20.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">13.58%</span></div></div></td></tr> <tr style="height:54pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Putnam Variable Trust - Putnam VT Sustainable Leaders Fund: </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class IB</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam Investment Management, LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc., Franklin Templeton Investment </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">14.69%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Alternative Strategies</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Rydex Variable Trust - Multi-Hedge Strategies Fund</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2019</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Guggenheim Investments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.75%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.62%</span></div></div></td></tr> <tr style="height:31.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">T. Rowe Price Associates, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.86%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">18.10%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">4.12%</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.97% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:34.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Underlying Mutual Fund and Adviser/Sub-Adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:110.53pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Returns</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: II</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">This Sub-Account is only available in policies issued before May 1, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">2026</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">T. Rowe Price Associates, Inc.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">T. Rowe Price Investment Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">9.54%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">VanEck VIP Trust - VanEck VIP Global Resources Fund: Initial </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Van Eck Associates Corporation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">36.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">10.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.33%</span></div></div></td></tr> <tr style="height:51.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:92.06pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:290.39pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Virtus Variable Insurance Trust - Virtus Duff &amp; Phelps Real Estate </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Securities Series: Class I</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Virtus Investment Advisers, Inc.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Duff &amp; Phelps Investment Management Co., an affiliate of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">VIA.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.85%*</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.34%</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.21%</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AllianceBernstein Variable Products Series Fund, Inc. - AB VPS </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">International Value Portfolio: Class B</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0115 0.4127 0.1019 0.0637 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AllianceBernstein Variable Products Series Fund, Inc. - AB VPS </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Sustainable Global Thematic Portfolio: Class B</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">AllianceBernstein L.P.</span> 0.0119 0.0603 0.0302 0.0980 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - Global Small Capitalization </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class 4</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span> 0.0115 0.1433 0.0023 0.0696 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - Growth Fund: Class 2</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span> 0.0059 0.2023 0.1337 0.1797 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - New World Fund®: Class 2</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span> 0.0082 0.2830 0.0532 0.0925 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - U.S. Government Securities </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class 2</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span> 0.0050 0.0775 -0.0023 0.0170 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">American Funds Insurance Series® - Washington Mutual </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Investors Fund: Class 4</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span> 0.0075 0.1690 0.1360 0.1208 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">BlackRock Variable Series Funds II, Inc. - BlackRock High Yield </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">V.I. Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock International Limited</span> 0.0054 0.0860 0.0468 0.0625 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">BlackRock Variable Series Funds, Inc. - BlackRock Global </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Allocation V.I. Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock International Limited and BlackRock </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">(Singapore) Limited</span> 0.0076 0.1980 0.0579 0.0759 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Deutsche DWS Variable Series I - DWS Capital Growth VIP: Class </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">A</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Investment Management Americas, Inc.</span> 0.0049 0.1253 0.1092 0.1529 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Deutsche DWS Variable Series II - DWS Global Income Builder </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">VIP: Class A</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DWS Investment Management Americas, Inc.</span> 0.0064 0.1580 0.0649 0.0743 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA Global </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Bond Portfolio</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors Ltd. And DFA Australia Limited</span> 0.0021 0.0435 0.0138 0.0181 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA Global </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Moderate Allocation Portfolio: Institutional Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> 0.0028 0.1468 0.0842 0.0865 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">International Small Portfolio</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors Ltd. And DFA Australia Limited</span> 0.0039 0.3699 0.0889 0.0868 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">International Value Portfolio</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors Ltd. And DFA Australia Limited</span> 0.0027 0.4564 0.1585 0.1046 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA Short-</span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Term Fixed Portfolio</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors Ltd. And DFA Australia Limited</span> 0.0012 0.0433 0.0265 0.0197 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA U.S. </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Large Value Portfolio</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> 0.0021 0.1583 0.1197 0.1051 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VA U.S. </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Targeted Value Portfolio</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> 0.0029 0.0895 0.1360 0.1100 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">DFA Investment Dimensions Group Inc. - Dimensional VIT </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Inflation-Protected Securities Portfolio: Institutional Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> 0.0011 0.0755 0.0105 0.0312 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products - Emerging Markets Portfolio: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FIL Investment Advisors, FIL Investment Advisors (UK) </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Limited, FMR Investment Management (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span> 0.0087 0.4104 0.0577 0.1082 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Contrafund® </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span> 0.0064 0.2138 0.1525 0.1566 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Energy Portfolio: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Class 2</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span> 0.0085 0.1034 0.2386 0.0769 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Growth Portfolio: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span> 0.0065 0.1478 0.1358 0.1733 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Overseas </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FIL Investment Advisors, FIL Investment Advisors (UK) </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Limited, FMR Investment Management (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span> 0.0082 0.2028 0.0651 0.0782 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Real Estate </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span> 0.0070 0.0304 0.0412 0.0377 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Utilities Portfolio: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0060 0.1411 0.1252 0.1251 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Value Strategies </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class 2</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span> 0.0084 0.0770 0.1187 0.1054 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Franklin Templeton Variable Insurance Products Trust - Franklin </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Income VIP Fund: Class 1</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span> 0.0047 0.1287 0.0792 0.0757 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Franklin Templeton Variable Insurance Products Trust - </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Templeton Global Bond VIP Fund: Class 1</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span> 0.0050 0.1609 -0.0069 0.0011 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Goldman Sachs Variable Insurance Trust - Goldman Sachs Mid </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Cap Growth Fund: Institutional Shares</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Goldman Sachs Asset Management, L.P.</span> 0.0083 0.0742 0.0482 0.1177 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco - Invesco V.I. Balanced-Risk Allocation Fund: Series I </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Shares</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0088 0.0901 0.0253 0.0517 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0086 0.0479 0.0390 0.1138 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco - Invesco V.I. Global Fund: Series I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0081 0.1532 0.0728 0.1100 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco - Invesco V.I. Main Street Small Cap Fund: Series I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0084 0.0870 0.0834 0.1059 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Invesco V.I. International Growth Fund: Series I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0100 0.1632 0.0215 0.0564 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Enterprise Portfolio: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0097 0.0741 0.0735 0.1251 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Global Research </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Shares</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0107 0.2060 0.1223 0.1264 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Global Sustainable Equity </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Institutional Shares</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0074 0.1746 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Global Technology and </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Innovation Portfolio: Service Shares</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0097 0.2484 0.1344 0.2118 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Janus Aspen Series - Janus Henderson Overseas Portfolio: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Shares</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Janus Henderson Investors US LLC</span> 0.0096 0.2858 0.0917 0.0897 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class VC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Lord, Abbett &amp; Co. LLC</span> 0.0071 0.0719 0.0007 0.0228 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust - MFS Mid Cap Growth Series: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Service Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0106 0.0340 0.0303 0.1132 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust - MFS Utilities Series: Initial Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0078 0.1501 0.0764 0.0949 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust - MFS Value Series: Initial Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0069 0.1301 0.0995 0.1005 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust II - MFS International Growth </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Initial Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0088 0.2112 0.0707 0.0988 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust III - MFS Limited Maturity </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Service Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0073 0.0549 0.0229 0.0244 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">MFS® Variable Insurance Trust III - MFS Mid Cap Value Portfolio: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Massachusetts Financial Services Company</span> 0.0079 0.0598 0.1018 0.0995 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT American Funds Asset </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Allocation Fund: Class II</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company, </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0092 0.1541 0.0856 0.0936 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT American Funds </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Global Growth Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Research and Management Company</span> 0.0054 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Aggressive </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0090 0.1854 0.1079 0.1049 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Balanced </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0078 0.1259 0.0603 0.0670 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Capital </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Appreciation Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0081 0.1505 0.0823 0.0860 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Conservative Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0074 0.0876 0.0276 0.0404 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Managed </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Growth &amp; Income Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span> 0.0074 0.0939 0.0504 0.0569 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Managed </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Growth Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span> 0.0073 0.1028 0.0632 0.0705 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Moderate </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span> 0.0080 0.1360 0.0722 0.0772 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Aggressive Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0086 0.1651 0.0945 0.0954 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Conservative Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0078 0.1132 0.0498 0.0587 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">U.S. Core Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Newton Investment Management Limited</span> 0.0062 0.1718 0.1258 0.1444 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Bond Index Fund: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span> 0.0039 0.0680 -0.0075 0.0163 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT DoubleLine Total </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Return Tactical Fund: Class II</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">DoubleLine Capital LP</span> 0.0098 0.0731 0.0022 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Preservation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Government Money </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund: Class V</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Federated Investment Management Company</span> 0.0042 0.0396 0.0299 0.0189 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT International Equity </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Lazard Asset Management LLC</span> 0.0088 0.3929 0.1279 0.0994 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT International Index </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span> 0.0047 0.3064 0.0851 0.0791 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Invesco Small Cap </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Growth Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0107 0.1636 0.0494 0.1173 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Aggressive Fund: Class P</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0087 0.1952 0.0866 0.0966 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Balanced Fund: Class P</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0079 0.1316 0.0500 0.0619 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Capital Appreciation Fund: Class P</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0082 0.1588 0.0675 0.0802 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Conservative Fund: Class P</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0077 0.0899 0.0210 0.0353 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Managed Growth &amp; Income Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span> 0.0067 0.0977 0.0430 0.0533 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Managed Growth Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Asset Management, LLC</span> 0.0071 0.1092 0.0559 0.0671 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Moderate Fund: Class P</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0082 0.1468 0.0583 0.0709 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Moderately Aggressive Fund: Class P</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0085 0.1762 0.0759 0.0879 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Investor Destinations </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Moderately Conservative Fund: Class P</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> 0.0078 0.1182 0.0394 0.0528 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT iShares® Fixed </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Income ETF Fund: Class II</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span> 0.0072 0.0633 -0.0096 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT iShares® Global </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Equity ETF Fund: Class II</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span> 0.0075 0.1800 0.1086 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Cap Growth Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Jacobs Levy Equity Management, Inc.</span> 0.0070 0.1420 0.1909 0.1802 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Loomis Core Bond </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Loomis, Sayles &amp; Company, L.P.</span> 0.0058 0.0688 -0.0077 0.0208 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Loomis Short Term </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Bond Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Loomis, Sayles &amp; Company, L.P.</span> 0.0055 0.0570 0.0213 0.0238 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span> 0.0041 0.0705 0.0870 0.1028 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT NASDAQ-100 Index </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span> 0.0047 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT S&amp;P 500 Index Fund: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span> 0.0024 0.1760 0.1415 0.1455 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class II</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">BlackRock Investment Management, LLC</span> 0.0058 0.1214 0.0554 0.0910 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Strategic Income </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Amundi Asset Management, US</span> 0.0080 0.0756 0.0581 0.0545 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Nationwide Variable Insurance Trust - NVIT Victory Mid Cap Value </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fund: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Nationwide Fund Advisors</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Victory Capital Management Inc.</span> 0.0085 0.0239 0.0791 0.0766 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Northern Lights Fund Trust II - M Capital Appreciation Fund</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">M. Financial Investment Advisers, Inc.</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Frontier Capital Management Company, LLC</span> 0.0095 0.1700 0.0891 0.1114 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Northern Lights Fund Trust II - M International Equity Fund</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">M. Financial Investment Advisers, Inc.</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Dimensional Fund Advisors LP</span> 0.0062 0.2893 0.0819 0.0670 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Northern Lights Fund Trust II - M Large Cap Growth Fund</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">M. Financial Investment Advisers, Inc.</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Federated Hermes, Inc.</span> 0.0053 0.1961 0.1243 0.1506 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Northern Lights Fund Trust II - M Large Cap Value Fund</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">M. Financial Investment Advisers, Inc.</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Brandywine Global Investment Management, LLC</span> 0.0060 0.1544 0.1355 0.0943 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Real Assets</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">PIMCO Variable Insurance Trust - CommodityRealReturn® </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Strategy Portfolio: Administrative Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO</span> 0.0319 0.1879 0.1055 0.0654 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fixed Income</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">PIMCO Variable Insurance Trust - Short-Term Portfolio: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Administrative Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">PIMCO</span> 0.0065 0.0467 0.0325 0.0276 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Putnam Variable Trust - Putnam VT International Value Fund: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class IA</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam Investment Management, LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc., Franklin Templeton Investment </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management Limited, The Putnam Advisory Company, LLC</span> 0.0081 0.3507 0.1277 0.0913 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Putnam Variable Trust - Putnam VT Large Cap Value Fund: Class </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">IA</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam Investment Management, LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc., Franklin Templeton Investment </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management Limited</span> 0.0054 0.2066 0.1568 0.1358 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Putnam Variable Trust - Putnam VT Sustainable Leaders Fund: </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class IB</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Putnam Investment Management, LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Franklin Advisers, Inc., Franklin Templeton Investment </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management Limited</span> 0.0088 0.1069 0.1034 0.1469 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Alternative Strategies</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Rydex Variable Trust - Multi-Hedge Strategies Fund</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Guggenheim Investments</span> 0.0175 0.0125 0.0123 0.0162 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">T. Rowe Price Associates, Inc.</span> 0.0086 0.1810 0.0412 0.0897 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: II</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">T. Rowe Price Associates, Inc.</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">T. Rowe Price Investment Management, Inc.</span> 0.0109 0.0329 0.0358 0.0954 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">VanEck VIP Trust - VanEck VIP Global Resources Fund: Initial </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Van Eck Associates Corporation</span> 0.0108 0.3648 0.1051 0.0833 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Equity</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Virtus Variable Insurance Trust - Virtus Duff &amp; Phelps Real Estate </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Securities Series: Class I</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Virtus Investment Advisers, Inc.</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Duff &amp; Phelps Investment Management Co., an affiliate of </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">VIA.</span> 0.0085 0.0100 0.0634 0.0621 <span style="color:#000000;font-family:Arial;font-size:9pt;">*</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This underlying mutual fund’s current expenses reflect a temporary fee reduction.</span>