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<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
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<tr style="height:197.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">If you surrender your policy for its full Cash Surrender Value, or the policy </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lapses, during the first 7 years and for 7 years after requesting an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">increase in the Specified Amount, you will incur a Surrender Charge. The </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Charges are set based on various factors such as the Insureds’ </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Ages (or Attained Insurance Ages at the time of a requested </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">increase in the Specified Amount), Risk Classifications and the number of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">years the policy has been in force (or for the number of years from the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">effective date of an increase in Specified Amount). The maximum initial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Charge rate that would be charged on any policy would be </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_49843f8e-981a-4d61-9bf4-4c9bef1a8df9">49.500</span></span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> per $1,000 of initial Specified Amount. Therefore, if a Full </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender occurs on a policy that was issued with a $1,000,000 initial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Specified Amount, the maximum initial Surrender Charge would be </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">49,500</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> which is 49.500 times $1,000,000 divided by 1,000. This </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Charge for the initial Specified Amount will decrease monthly </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">until it is zero at the end of the seventh policy year.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Surrender Charges that apply to your policy are shown under the Policy </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Data page of your policy.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transaction Fees</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Base Policy </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td></tr></table>
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<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">In addition to Surrender Charges, you may also incur charges on other </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transactions, such as a premium expense charge, partial Surrender </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Charge, express mail fee, electronic fund transfer fee, and fees imposed </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">when exercising your rights under the Overloan Protection Benefit and the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Split Option Rider. If you take a loan against the policy, you will be </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charged a loan interest rate on any outstanding balance until the loan is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">paid off.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div></div></td></tr></table>
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<tr style="height:131.75pt;">
<td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Expenses (annual </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">charges)</span></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">In addition to Surrender Charges and transaction charges, an investment in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the policy is subject to certain ongoing fees and expenses, including fees </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and expenses covering the cost of insurance under the policy and the cost </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of the Accounting Value Increase Rider and the Four-Year Term rider if they </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">are elected as optional benefits available under the policy. Such fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">expenses are set based on various factors such as the Insureds’ Risk </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Classifications, Issue Ages, genders and the number of years the policy is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in force. You should review the rates, fees and charges under the Policy </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Data page of your policy.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">You will also bear expenses associated with the Funds offered under the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy, as shown in the following table:</span></div></div></td>
<td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transaction Fees</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Base Policy </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Maximum</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:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Underlying Fund options</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Funds fees and expenses)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.26</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">2.07</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> As a percentage of fund assets.</span></div></div></td></tr></table>
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<tr style="height:197.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">If you surrender your policy for its full Cash Surrender Value, or the policy </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lapses, during the first 7 years and for 7 years after requesting an </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">increase in the Specified Amount, you will incur a Surrender Charge. The </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Charges are set based on various factors such as the Insureds’ </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Ages (or Attained Insurance Ages at the time of a requested </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">increase in the Specified Amount), Risk Classifications and the number of </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">years the policy has been in force (or for the number of years from the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">effective date of an increase in Specified Amount). The maximum initial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Charge rate that would be charged on any policy would be </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_49843f8e-981a-4d61-9bf4-4c9bef1a8df9">49.500</span></span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> per $1,000 of initial Specified Amount. Therefore, if a Full </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender occurs on a policy that was issued with a $1,000,000 initial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Specified Amount, the maximum initial Surrender Charge would be </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">49,500</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> which is 49.500 times $1,000,000 divided by 1,000. This </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Charge for the initial Specified Amount will decrease monthly </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">until it is zero at the end of the seventh policy year.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Surrender Charges that apply to your policy are shown under the Policy </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Data page of your policy.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transaction Fees</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Base Policy </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td></tr></table>
49500
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<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">In addition to Surrender Charges, you may also incur charges on other </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transactions, such as a premium expense charge, partial Surrender </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Charge, express mail fee, electronic fund transfer fee, and fees imposed </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">when exercising your rights under the Overloan Protection Benefit and the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Split Option Rider. If you take a loan against the policy, you will be </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charged a loan interest rate on any outstanding balance until the loan is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">paid off.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div></div></td></tr></table>
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<tr style="height:131.75pt;">
<td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Expenses (annual </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">charges)</span></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">In addition to Surrender Charges and transaction charges, an investment in </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the policy is subject to certain ongoing fees and expenses, including fees </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and expenses covering the cost of insurance under the policy and the cost </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of the Accounting Value Increase Rider and the Four-Year Term rider if they </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">are elected as optional benefits available under the policy. Such fees and </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">expenses are set based on various factors such as the Insureds’ Risk </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Classifications, Issue Ages, genders and the number of years the policy is </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in force. You should review the rates, fees and charges under the Policy </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Data page of your policy.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">You will also bear expenses associated with the Funds offered under the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy, as shown in the following table:</span></div></div></td>
<td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transaction Fees</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Base Policy </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charges</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Maximum</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:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Underlying Fund options</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Funds fees and expenses)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">0.26</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:9.30pt;">2.07</span><span style="font-family:Arial;font-size:9.30pt;">%</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> As a percentage of fund assets.</span></div></div></td></tr></table>
0.0026
0.0207
<span style="font-family:Arial;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> As a percentage of fund assets.</span>
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<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;text-transform:uppercase;">RISKS</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;background-color:#E5E5E5;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:12.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Risk of Loss</span></div></div></td>
<td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">You can lose money by investing in this policy including loss of principal.</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Principal Risks </span></div></div></td></tr></table>
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<tr style="height:132.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Not a Short-Term </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Investment</span></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The policy is not suitable as a short-term investment and is not appropriate </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for an investor who needs ready access to cash.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The policy is a long-term investment that is primarily intended to provide a </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit that we pay to the Beneficiary upon the last surviving </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insured’s death.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Your policy has little or no Cash Surrender Value in the early policy years. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">During early policy years the Cash Surrender Value may be less than the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">premiums you pay for the policy.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Your ability to take Partial Surrenders is limited. You cannot take Partial </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrenders during the first policy year.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Principal Risks</span></div></div></td></tr>
<tr style="height:92.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Risks Associated </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">with Investment </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Options</span></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">An investment in the policy is subject to the risk of poor investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance and can vary depending on the performance of the </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment options available under the policy. Each investment option </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(including the Fixed Account) has its own unique risks. You should review </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the investment options before making an investment decision. If the death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit is option 2, the death benefit could decrease from the death </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit on the previous Valuation Date due to adverse investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">experience.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Principal Risks</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The Variable </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Account and the </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Funds</span></div></div></td></tr>
<tr style="height:131.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Company Risks</span></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">An investment in the policy is subject to the risks related to RiverSource </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Life Insurance Co. of New York ("RiverSource Life of NY"). Any obligations </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(including under the Fixed Account) or guarantees and benefits of the policy </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">that exceed the assets of the Variable Account are subject to RiverSource </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Life of NY’s claims-paying ability. If RiverSource Life of NY experiences </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">financial distress, RiverSource Life of NY may not be able to meet their </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">obligations to you. More information about RiverSource Life of NY, </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">including their financial strength ratings, is available by contacting </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">RiverSource Life of NY at 1-800-541-2251.</span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Additional information regarding the financial strength of RiverSource Life </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of NY can be accessed at: strengthandsoundness.com.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Principal Risks</span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">The General </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Account</span></div></div></td></tr>
<tr style="height:78.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Lapse</span></div></div></td>
<td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:341pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insufficient premium payments, fees and expenses, poor investment </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance, full and Partial Surrenders, and unpaid loans or loan interest </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">may cause the policy to Lapse. There is a cost associated with reinstating </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">a Lapsed policy. Death benefits will not be paid if the policy has Lapsed. </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Your policy may not Lapse if the No Lapse Guarantee is in effect. Also, your </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy enters a grace period before Lapsing, allowing you additional time to </span></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">pay the amount required to keep the policy in force.</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Keeping the Policy </span></div> <div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">in Force </span></div></div></td></tr></table>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">You can lose money by investing in this policy including loss of principal.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The policy is not suitable as a short-term investment and is not appropriate </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for an investor who needs ready access to cash.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The policy is a long-term investment that is primarily intended to provide a </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">death benefit that we pay to the Beneficiary upon the last surviving </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insured’s death.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Your policy has little or no Cash Surrender Value in the early policy years. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">During early policy years the Cash Surrender Value may be less than the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">premiums you pay for the policy.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Your ability to take Partial Surrenders is limited. You cannot take Partial </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrenders during the first policy year.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">An investment in the policy is subject to the risk of poor investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance and can vary depending on the performance of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment options available under the policy. Each investment option </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(including the Fixed Account) has its own unique risks. You should review </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the investment options before making an investment decision. If the death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit is option 2, the death benefit could decrease from the death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">benefit on the previous Valuation Date due to adverse investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">experience.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">An investment in the policy is subject to the risks related to RiverSource </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Life Insurance Co. of New York ("RiverSource Life of NY"). Any obligations </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(including under the Fixed Account) or guarantees and benefits of the policy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">that exceed the assets of the Variable Account are subject to RiverSource </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Life of NY’s claims-paying ability. If RiverSource Life of NY experiences </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">financial distress, RiverSource Life of NY may not be able to meet their </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">obligations to you. More information about RiverSource Life of NY, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">including their financial strength ratings, is available by contacting </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">RiverSource Life of NY at 1-800-541-2251.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Additional information regarding the financial strength of RiverSource Life </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of NY can be accessed at: strengthandsoundness.com.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insufficient premium payments, fees and expenses, poor investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance, full and Partial Surrenders, and unpaid loans or loan interest </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">may cause the policy to Lapse. There is a cost associated with reinstating </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">a Lapsed policy. Death benefits will not be paid if the policy has Lapsed. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Your policy may not Lapse if the No Lapse Guarantee is in effect. Also, your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy enters a grace period before Lapsing, allowing you additional time to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">pay the amount required to keep the policy in force.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">We reserve any right to limit transfers of value from a Subaccount to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.0pt;">one or more </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Subaccounts or to the Fixed Account to five per policy year, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.0pt;">and we may suspend or modify this transfer privilege at any time with </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.0pt;">any necessary approval of the Securities and Exchange Commission.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Your transfers among the Subaccounts are subject to policies designed </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">to deter market timing.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum transfer amount from an investment option is $50, if </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">automated, and $250 by mail or telephone.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• On the youngest Insured’s Attained Insurance Age 120 anniversary, any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> in the Subaccounts will be transferred to the Fixed Account </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">and may not be transferred to any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Subaccount.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You may only transfer between Subaccounts and the Fixed Account on a </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">Policy Anniversary</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, unless you automate such transfers.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• We reserve the right to close, merge or substitute Funds as investment </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">options. We also reserve the right, upon notification to you, to close or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">restrict any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Funds. We will obtain any necessary approval of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">Securities and Exchange Commission.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• We generally limit premium payments in excess of $1,000,000.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">The Four-Year Term rider (FYT), Policy Split Option Rider (PSO), and the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.0pt;">Accounting Value Increase Rider (AVIR) are only available at policy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.0pt;">issuance.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The FYT and PSO are not available for all Insurance Ages or Risk </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">Classifications</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> that would be insured under the base policy.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The FYT, PSO, and AVIR have termination dates prior to the termination </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">date of the base policy.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The PSO, AVIR and Overloan Protection Benefit (OPB) have certain </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">conditions that must be satisfied to exercise the benefit of these riders.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">You should consult with a tax professional to determine the tax </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.0pt;">implications of an investment in and payments received under the policy.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If your policy is a modified endowment contract, you may have to pay a </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">10% tax penalty if you take a withdrawal of earnings before age 59½.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">In general, we pay selling firms and their sales representatives </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">compensation for selling the policy.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">In addition to commissions, we may, in order to promote sales of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policies, pay or provide selling firms with other promotional incentives in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">cash, credit or other compensation. These promotional incentives or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">reimbursements may be calculated as a percentage of the selling firm’s </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">aggregate, net or anticipated sales and/or total assets attributable to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">sales of the policy, and/or may be a fixed dollar amount. Selling firms and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">their sales representatives may have a financial incentive to recommend </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the policy over another investment.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">If you already own an insurance policy, some financial representatives may </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">have a financial incentive to offer you a new policy in place of one you </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">already own. You should only exchange an existing policy if you determine, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">after comparing the features, fees and risks of both policies, that it is </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">better for you to purchase the new policy rather than continue to own your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">existing policy.</span>
<span style="color:#000000;font-family:Arial;font-size:16.74pt;">Fee Tables</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The following tables describe the fees and expenses that you will pay when buying, owning and surrendering or making withdrawals from the policy. Please refer to your Policy Data page for information about the specific fees you will pay each year based on the options you have elected. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The first table describes the fees and expenses that you will pay at the time that you buy the policy, surrender or make withdrawals from the policy or transfer cash value between investment options.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
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<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:135pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">CHARGE</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:138pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">WHEN CHARGE IS DEDUCTED</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:258pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">AMOUNT DEDUCTED</span></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Sales Charge </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Imposed on Premiums </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(Load)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)</span> <div style="clear:right;"> </div></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you pay premium.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">8%</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of each premium payment.</span></div></div></td></tr>
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<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Premium Taxes</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you pay premium as </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">part of the premium expense </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charge.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">A portion of the premium expense charge is used to pay </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">state premium taxes imposed on us by state and </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">governmental subdivisions. See discussion </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">under “Premium Expense Charge.”</span></div></div></td></tr>
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<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
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<td rowspan="4" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Deferred Sales </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charge (Load)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(b)</span> <div style="clear:right;"> </div></div></div></td>
<td rowspan="4" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you surrender your </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy for its full Cash </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value, or the policy </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lapses, during the first seven </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">years and for seven years </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">after requesting an increase </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in the Specified Amount.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;text-decoration:underline;">Rate per $1,000 of initial Specified Amount:</span></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_56042c90-4af6-45f5-8e3b-bcde2864a9e0">13.010</span></span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Standard NonTobacco, </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age 20; Male, Standard NonTobacco, </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age20.</span></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:ea1c8dae-2ca0-45aa-bff2-41eaac937634">49.500</span></span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Standard Tobacco, </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">85; Male, Standard Tobacco, Insurance </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Age</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">85.</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $24.680 — Female, Super </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Preferred, Nontobacco, Age 55; Male, Standard </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age55.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="3" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Other Surrender Fees</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(c)</span> <div style="clear:right;"> </div></div></div></td>
<td rowspan="3" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you surrender part of </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the value of your policy.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">The lesser of:</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">; or</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of the amount surrendered.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transfer Fees</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="2" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fees for Express Mail and </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Electronic Fund Transfers of </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Loan or Surrender Proceeds</span></div></div></td>
<td rowspan="2" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you take a loan or </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrender and Proceeds are </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">sent by express mail or </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">electronic fund transfer.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">30</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — United States.</span></div></div></td></tr>
<tr style="height:33pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">35</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — International.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="2" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:9.3000pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Interest Rate on Loans</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(d)</span> <div style="clear:right;"> </div></div></div></td>
<td rowspan="2" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Charged daily and due at the </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">end of the policy year.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% for policy years 1-10;</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:6pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:6pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% for policy years 11+</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:6pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:6pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:26pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Overloan Protection Benefit </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(OPB)</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Upon exercise of the benefit.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:26pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Split Option Rider </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(PSO)</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Upon exercise of the benefit.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">250</span></div></div></td></tr>
<tr style="height:5.5pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">We call this the premium expense charge in other places in this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">We call this a Surrender Charge in other places in this prospectus, and it decreases monthly until it is zero at the end of the seventh policy year. This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">at the address or telephone number shown on the first page of this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">We call this the partial Surrender Charge in other places in this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(d)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">The loan interest rate charged is offset by the minimum guaranteed rate of interest rate of 1.00% earned on the Fixed Account that is credited on the loan collateral.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The next table describes the fees and expenses that you will pay periodically during the time that you own the policy, not including Fund fees and expenses.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Periodic Charges Other than Annual Fund Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
<table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;">
<tr style="height:15pt;">
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:135pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">CHARGE</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:138pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">WHEN CHARGE IS DEDUCTED</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:255pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">AMOUNT DEDUCTED</span></div></div></td></tr>
<tr style="height:25.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Base Policy Charge</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> per month for initial Specified Amounts below </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$2,000,000.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="5" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)</span></div></div></td>
<td rowspan="5" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;text-decoration:underline;">Monthly rate per $1,000 of Net Amount at Risk:</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.00000</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Super Preferred, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco Insurance Age 20; Female, Super Preferred, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Duration1.</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">49.1165</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Male, Standard Tobacco, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age 85; Male, Standard Tobacco, Insurance </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Age85,Duration35.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td style="vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.18%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></div></td></tr>
<tr style="height:37pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $0.00001 — Female, Super </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Preferred, Nontobacco, Insurance Age 55; Male, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard, Nontobacco, Age 55: Duration1.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="6" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:9.3000pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)</span></div></div></td>
<td rowspan="6" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;text-decoration:underline;">Rate per $1,000 of initial Specified Amount:</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.056</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Super Preferred </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Female, Super Preferred </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Durations 1-10.</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:cba01b5b-22d6-4dcc-a3bf-48e32142bfab">0.690</span></span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">; Male, Standard Tobacco, Age 85; </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Male, Standard Tobacco, Insurance Age 85; Durations </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">1-10</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td style="vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.18%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></div></td></tr>
<tr style="height:37pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Female, Super Preferred </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Age 55; Male, Standard Nontobacco, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age55.</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.252</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> per month, Durations 1-10.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:26pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Mortality and Expense Risk </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Annual rate of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% applied monthly to the Variable </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Account Value.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="5" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Accounting Value Increase </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rider (AVIR)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;">)</span> <div style="clear:right;"> </div></div></div></td>
<td rowspan="5" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;text-decoration:underline;">Monthly rate per $1,000 of initial Specified Amount:</span></div></div></td></tr>
<tr style="height:25.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.0309</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Nontobacco, Insurance </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Age 85; Male, Nontobacco, Insurance Age85</span></div></div></td></tr>
<tr style="height:25.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.0475</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">— Female, Nontobacco, Insurance </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Ages 35-55; Male, Nontobacco, Insurance Ages 35-55;</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td style="vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.18%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></div></td></tr>
<tr style="height:37pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $0.0475 — Female, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 55; Male, Nontobacco, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age55.</span></div></div></td></tr>
<tr style="height:5.5pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY at the address or telephone number shown on the first page of this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Periodic Charges Other than Annual Fund Expenses (continued)</span>
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<tr style="height:15pt;">
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:135pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">CHARGE</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:138pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">WHEN CHARGE IS DEDUCTED</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:255pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">AMOUNT DEDUCTED</span></div></div></td></tr>
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<td rowspan="5" style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:135pt;"> <div style="line-height:9.3000pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Four-Year Term Insurance </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rider (FYT)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)(b)</span></div></div></td>
<td rowspan="5" style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;text-decoration:underline;">Monthly rate per $1,000 of Net Amount at Risk:</span></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.00000</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Super Preferred, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Female, Super Preferred, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Duration1.</span></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $ </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">3.24563</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Male, Standard Tobacco, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age 85; Male, Standard Tobacco, Insurance </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Age 85; Duration4.</span></div></div></td></tr>
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<td style="vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.18%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $0.00001 – Female, Super </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Preferred Nontobacco, Insurance Age 55; Male, Standard </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Age 55; Duration1.</span></div></div></td></tr>
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<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY at the address or telephone number shown on the first page of this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">This rider will terminate if one of the following circumstances occurs: (1) four-year Anniversary date shown in the policy; or (2) if the PSO rider is exercised.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Total Annual Operating Expenses of the Funds</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The next table provides the minimum and maximum total operating expenses charged by the underlying Funds</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;"> that you may pay periodically during the time that you own the policy. A complete list of Funds available under the policy, including their annual expenses, may be found in Appendix A: Funds Available Under the Contract.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
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<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:379.51pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Total Annual Fund Expenses</span></div></div></td>
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:80.63pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:16pt;margin-right:16pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Minimum(%)</span></div></div></td>
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:67.86pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Maximum(%)</span></div></div></td></tr>
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<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.25pt;vertical-align:Top;width:379.51pt;"> <div style="line-height:8.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(expenses deducted from the Fund assets, including management fees, distribution and/or service </span></div> <div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(12b-1) fees and other expenses)</span></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:80.63pt;"> <div style="line-height:8.3700pt;margin-left:18pt;margin-right:18pt;text-align:right;width:44.63pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="font-family:Arial;font-size:7.44pt;width:18.79pt;">0.26</span></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.25pt;vertical-align:Top;width:67.86pt;"> <div style="line-height:8.3700pt;text-align:left;"> <div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">2.07</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">Total annual Fund operating expenses are deducted from amounts that are allocated to the Fund. They include management fees and other expenses. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contract</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">owner services provided on behalf of the Fund. The amount of these payments will vary by Fund and may be significant. See “The Variable Account and the Funds” for additional information, including potential conflicts of interest these payments may create. For a more complete description of each Fund’s fees and expenses and important disclosure regarding payments the Fund and/or its affiliates make, please review the Fund’s prospectus and SAI.</span>
<span style="color:#000000;font-family:Arial;font-size:12.09pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
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<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:135pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">CHARGE</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:138pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">WHEN CHARGE IS DEDUCTED</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:258pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">AMOUNT DEDUCTED</span></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Sales Charge </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Imposed on Premiums </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(Load)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)</span> <div style="clear:right;"> </div></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you pay premium.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">8%</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of each premium payment.</span></div></div></td></tr>
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<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Premium Taxes</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you pay premium as </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">part of the premium expense </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charge.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">A portion of the premium expense charge is used to pay </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">state premium taxes imposed on us by state and </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">governmental subdivisions. See discussion </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">under “Premium Expense Charge.”</span></div></div></td></tr>
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<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
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<td rowspan="4" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Deferred Sales </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charge (Load)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(b)</span> <div style="clear:right;"> </div></div></div></td>
<td rowspan="4" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you surrender your </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy for its full Cash </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value, or the policy </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lapses, during the first seven </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">years and for seven years </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">after requesting an increase </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in the Specified Amount.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;text-decoration:underline;">Rate per $1,000 of initial Specified Amount:</span></div></div></td></tr>
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<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_56042c90-4af6-45f5-8e3b-bcde2864a9e0">13.010</span></span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Standard NonTobacco, </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age 20; Male, Standard NonTobacco, </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age20.</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:ea1c8dae-2ca0-45aa-bff2-41eaac937634">49.500</span></span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Standard Tobacco, </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">85; Male, Standard Tobacco, Insurance </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Age</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">85.</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $24.680 — Female, Super </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Preferred, Nontobacco, Age 55; Male, Standard </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age55.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="3" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Other Surrender Fees</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(c)</span> <div style="clear:right;"> </div></div></div></td>
<td rowspan="3" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you surrender part of </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the value of your policy.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">The lesser of:</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">; or</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of the amount surrendered.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transfer Fees</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">N/A</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="2" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fees for Express Mail and </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Electronic Fund Transfers of </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Loan or Surrender Proceeds</span></div></div></td>
<td rowspan="2" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">When you take a loan or </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrender and Proceeds are </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">sent by express mail or </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">electronic fund transfer.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">30</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — United States.</span></div></div></td></tr>
<tr style="height:33pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">35</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — International.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="2" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:9.3000pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Interest Rate on Loans</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(d)</span> <div style="clear:right;"> </div></div></div></td>
<td rowspan="2" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Charged daily and due at the </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">end of the policy year.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% for policy years 1-10;</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:6pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:6pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% for policy years 11+</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:6pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:6pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:3pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:26pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Overloan Protection Benefit </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(OPB)</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Upon exercise of the benefit.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:26pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Split Option Rider </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(PSO)</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Upon exercise of the benefit.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:258pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">250</span></div></div></td></tr>
<tr style="height:5.5pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:531pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">We call this the premium expense charge in other places in this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">We call this a Surrender Charge in other places in this prospectus, and it decreases monthly until it is zero at the end of the seventh policy year. This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">at the address or telephone number shown on the first page of this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(c)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">We call this the partial Surrender Charge in other places in this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(d)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">The loan interest rate charged is offset by the minimum guaranteed rate of interest rate of 1.00% earned on the Fixed Account that is credited on the loan collateral.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Sales Charge </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Imposed on Premiums </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(Load)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">When you pay premium.</span>
0.08
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Premium Taxes</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">When you pay premium as </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">part of the premium expense </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charge.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">A portion of the premium expense charge is used to pay </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">state premium taxes imposed on us by state and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">governmental subdivisions. See discussion </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">under “Premium Expense Charge.”</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum Deferred Sales </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charge (Load)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(b)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">When you surrender your </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy for its full Cash </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value, or the policy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lapses, during the first seven </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">years and for seven years </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">after requesting an increase </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in the Specified Amount.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $24.680 — Female, Super </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Preferred, Nontobacco, Age 55; Male, Standard </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age55.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Other Surrender Fees</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(c)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">When you surrender part of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the value of your policy.</span>
25
0.02
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transfer Fees</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fees for Express Mail and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Electronic Fund Transfers of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Loan or Surrender Proceeds</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">When you take a loan or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">surrender and Proceeds are </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">sent by express mail or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">electronic fund transfer.</span>
30
35
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Interest Rate on Loans</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(d)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Charged daily and due at the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">end of the policy year.</span>
0.03
0.01
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Overloan Protection Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(OPB)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Upon exercise of the benefit.</span>
0.03
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Split Option Rider </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(PSO)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Upon exercise of the benefit.</span>
250
<span style="color:#000000;font-family:Arial;font-size:12.09pt;">Periodic Charges Other than Annual Fund Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
<table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;">
<tr style="height:15pt;">
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:135pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">CHARGE</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:138pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">WHEN CHARGE IS DEDUCTED</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:255pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">AMOUNT DEDUCTED</span></div></div></td></tr>
<tr style="height:25.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Base Policy Charge</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> per month for initial Specified Amounts below </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$2,000,000.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="5" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)</span></div></div></td>
<td rowspan="5" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;text-decoration:underline;">Monthly rate per $1,000 of Net Amount at Risk:</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.00000</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Super Preferred, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco Insurance Age 20; Female, Super Preferred, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Duration1.</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">49.1165</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Male, Standard Tobacco, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age 85; Male, Standard Tobacco, Insurance </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Age85,Duration35.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td style="vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.18%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></div></td></tr>
<tr style="height:37pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $0.00001 — Female, Super </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Preferred, Nontobacco, Insurance Age 55; Male, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard, Nontobacco, Age 55: Duration1.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="6" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:9.3000pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)</span></div></div></td>
<td rowspan="6" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;text-decoration:underline;">Rate per $1,000 of initial Specified Amount:</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.056</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Super Preferred </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Female, Super Preferred </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Durations 1-10.</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:cba01b5b-22d6-4dcc-a3bf-48e32142bfab">0.690</span></span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">; Male, Standard Tobacco, Age 85; </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Male, Standard Tobacco, Insurance Age 85; Durations </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">1-10</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td style="vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.18%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></div></td></tr>
<tr style="height:37pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Female, Super Preferred </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Age 55; Male, Standard Nontobacco, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age55.</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.252</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> per month, Durations 1-10.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:26pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Mortality and Expense Risk </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Annual rate of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">% applied monthly to the Variable </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Account Value.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <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:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:8.25pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr>
<tr style="height:15pt;">
<td rowspan="5" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:135pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Accounting Value Increase </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rider (AVIR)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;">)</span> <div style="clear:right;"> </div></div></div></td>
<td rowspan="5" style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;text-decoration:underline;">Monthly rate per $1,000 of initial Specified Amount:</span></div></div></td></tr>
<tr style="height:25.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.0309</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Nontobacco, Insurance </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Age 85; Male, Nontobacco, Insurance Age85</span></div></div></td></tr>
<tr style="height:25.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.0475</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">— Female, Nontobacco, Insurance </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Ages 35-55; Male, Nontobacco, Insurance Ages 35-55;</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td style="vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.18%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></div></td></tr>
<tr style="height:37pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $0.0475 — Female, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 55; Male, Nontobacco, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age55.</span></div></div></td></tr>
<tr style="height:5.5pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY at the address or telephone number shown on the first page of this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Periodic Charges Other than Annual Fund Expenses (continued)</span>
<table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;">
<tr style="height:15pt;">
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:135pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">CHARGE</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:138pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">WHEN CHARGE IS DEDUCTED</span></div></div></td>
<td style="background-color:#000000;padding-bottom:4pt;padding-top:4pt;vertical-align:Middle;width:255pt;"> <div style="line-height:8.37pt;text-align:left;"> <div style="margin-left:3pt;text-align:Center;white-space:nowrap;"><span style="color:#FFFFFF;font-family:Arial;font-size:8.37pt;font-weight:bold;margin-left:0.00pt;">AMOUNT DEDUCTED</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td rowspan="5" style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:135pt;"> <div style="line-height:9.3000pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Four-Year Term Insurance </span></div> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rider (FYT)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)(b)</span></div></div></td>
<td rowspan="5" style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:138pt;"> <div style="line-height:10.2300pt;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:9.30pt;margin-left:0.0pt;">Monthly.</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;text-decoration:underline;">Monthly rate per $1,000 of Net Amount at Risk:</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Minimum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0.00000</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Female, Super Preferred, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Female, Super Preferred, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 20; Duration1.</span></div></div></td></tr>
<tr style="height:36.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Maximum:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $ </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">3.24563</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> — Male, Standard Tobacco, </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age 85; Male, Standard Tobacco, Insurance </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Age 85; Duration4.</span></div></div></td></tr>
<tr style="height:8.25pt;">
<td style="vertical-align:Top;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:1.18%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></div></td></tr>
<tr style="height:37pt;">
<td style="padding-bottom:4pt;padding-top:4.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $0.00001 – Female, Super </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Preferred Nontobacco, Insurance Age 55; Male, Standard </span></div> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Age 55; Duration1.</span></div></div></td></tr>
<tr style="height:5.5pt;">
<td colspan="3" style="border-bottom:0.5pt solid #000000;vertical-align:Top;width:528pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-top:-11pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">This charge varies based on individual characteristics. The charges shown in the table may not be representative of the charge you will pay. For information about the charge you would pay, contact your sales representative or RiverSource Life of NY at the address or telephone number shown on the first page of this prospectus.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">This rider will terminate if one of the following circumstances occurs: (1) four-year Anniversary date shown in the policy; or (2) if the PSO rider is exercised.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Base Policy Charge</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Monthly.</span>
10
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Monthly</span>
0.0000000
0.491165
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $0.00001 — Female, Super </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Preferred, Nontobacco, Insurance Age 55; Male, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard, Nontobacco, Age 55: Duration1.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Monthly.</span>
0.00056
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Female, Super Preferred </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Age 55; Male, Standard Nontobacco, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age55.</span>
0.00252
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Mortality and Expense Risk </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Charge</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Monthly.</span>
0.0000
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Accounting Value Increase </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rider (AVIR)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;">)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Monthly.</span>
0.000309
0.000475
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $0.0475 — Female, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Insurance Age 55; Male, Nontobacco, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insurance Age55.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Four-Year Term Insurance </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rider (FYT)</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(a)(b)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Monthly.</span>
0.0000000
0.0324563
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Representative Insured:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> $0.00001 – Female, Super </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Preferred Nontobacco, Insurance Age 55; Male, Standard </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Nontobacco, Age 55; Duration1.</span>
<span style="color:#000000;font-family:Arial;font-size:12.09pt;">Total Annual Operating Expenses of the Funds</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The next table provides the minimum and maximum total operating expenses charged by the underlying Funds</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;"> that you may pay periodically during the time that you own the policy. A complete list of Funds available under the policy, including their annual expenses, may be found in Appendix A: Funds Available Under the Contract.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
<table cellpadding="0" cellspacing="0" style="border-top:2pt solid #FFFFFF;empty-cells:show;width:528pt;">
<tr style="height:14.25pt;">
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:379.51pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Total Annual Fund Expenses</span></div></div></td>
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:80.63pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:16pt;margin-right:16pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Minimum(%)</span></div></div></td>
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:67.86pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;font-weight:bold;">Maximum(%)</span></div></div></td></tr>
<tr style="height:19.25pt;">
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.25pt;vertical-align:Top;width:379.51pt;"> <div style="line-height:8.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(expenses deducted from the Fund assets, including management fees, distribution and/or service </span></div> <div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(12b-1) fees and other expenses)</span></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.25pt;vertical-align:Top;white-space:nowrap;width:80.63pt;"> <div style="line-height:8.3700pt;margin-left:18pt;margin-right:18pt;text-align:right;width:44.63pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="font-family:Arial;font-size:7.44pt;width:18.79pt;">0.26</span></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.25pt;vertical-align:Top;width:67.86pt;"> <div style="line-height:8.3700pt;text-align:left;"> <div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:7.44pt;margin-left:0.00pt;">2.07</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">Total annual Fund operating expenses are deducted from amounts that are allocated to the Fund. They include management fees and other expenses. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contract</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">owner services provided on behalf of the Fund. The amount of these payments will vary by Fund and may be significant. See “The Variable Account and the Funds” for additional information, including potential conflicts of interest these payments may create. For a more complete description of each Fund’s fees and expenses and important disclosure regarding payments the Fund and/or its affiliates make, please review the Fund’s prospectus and SAI.</span>
<span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(expenses deducted from the Fund assets, including management fees, distribution and/or service </span><span style="font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">(12b-1) fees and other expenses)</span>
0.0026
0.0207
<span style="color:#000000;font-family:Arial;font-size:7.44pt;">Total annual Fund operating expenses are deducted from amounts that are allocated to the Fund. They include management fees and other expenses. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contract</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;line-height:9.00pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.44pt;">owner services provided on behalf of the Fund. The amount of these payments will vary by Fund and may be significant. See “The Variable Account and the Funds” for additional information, including potential conflicts of interest these payments may create. For a more complete description of each Fund’s fees and expenses and important disclosure regarding payments the Fund and/or its affiliates make, please review the Fund’s prospectus and SAI.</span>
<span style="color:#000000;font-family:Arial;font-size:16.74pt;">Principal Risks of Investing in the Policy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Policy Risk and What It Means </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Risks of Poor Investment Performance.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> If you direct your Net Premiums or transfer your Policy’s Value to a Subaccount that drops in value: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You can lose cash values due to adverse investment experience. There is no minimum guaranteed cash value under the Subaccounts of the Variable Account. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If the death benefit option is option 2, the death benefit could decrease from the death benefit on the previous Valuation Date due to adverse investment experience (but at no time will it be less than the Specified Amount). </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy could Lapse due to adverse investment experience if the NLG is in not effect and you do not pay the premiums needed to maintain coverage. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The Policy is Unsuitable as a Short-term Savings Vehicle.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> The policy is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. The policy is a long-term investment that provides a death benefit that we pay to the Beneficiary upon the last surviving Insured’s death. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy has little or no Cash Surrender Value in the early policy years. Surrender Charges apply to this policy for the first seven years. A new maximum Surrender Charge schedule will apply to any additional Specified Amount for seven years after an increase in Specified Amount. Surrender Charges can significantly reduce Policy Values. During early policy years the Cash Surrender Value may be less than the premiums you pay for the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your ability to take partial surrenders is limited. You cannot take partial surrenders during the first policy year.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Risks of Policy Lapse.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> If you do not pay the premiums needed to maintain coverage: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We will not pay a death benefit if your policy Lapses. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Also, the Lapse may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.") </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy may Lapse due to Surrender Charges. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Surrender Charges affect the surrender value, which is a measure we use to determine whether your policy will enter a grace period (and possibly Lapse, which may have adverse tax consequences, see "Possibility of Adverse Tax Consequences."). A partial surrender will reduce the Policy Value and the death benefit and may terminate the NLG. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you take a loan against your policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Taking a loan increases the risk of: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">—</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">policy Lapse (which may have adverse tax consequences, see "Possibility of Adverse Tax Consequences."); </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">—</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a permanent reduction of Policy Value; </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">—</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">reducing the death benefit. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Taking a loan may also terminate the NLG. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy can Lapse due to poor investment performance. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy could Lapse due to adverse investment experience if the NLG is not in effect and you do not pay the premiums needed to maintain coverage. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Lapse may have adverse tax consequences (See "Possibility of Adverse Tax Consequences."). </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Exchange/Replacement Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> You exchange or replace another policy to buy this one. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may pay Surrender Charges on the old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The new policy has Surrender Charges, which may extend beyond those in the old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The new policy’s Surrender Charges may be higher than the Surrender Charges in old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may be subject to new incontestability and suicide periods on the new policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may be in a higher insurance risk rating category in the new policy which may increase the cost of the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If a partial surrender is taken prior to the exchange, you may have adverse tax consequences. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The exchange may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.") </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You use cash values or dividends from another policy to buy this one, without fully surrendering the other policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you borrow from another policy to buy this one, the loan reduces the death benefit on the other policy. If you fail to repay the loan and accrued interest, you could lose the other coverage and you may be subject to income tax if the policy Lapses or is surrendered with a loan against it. You may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.") </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Policy Risk and What It Means (continued)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you surrender cash value from another policy to buy this one, you could lose coverage on the other policy. Also, the surrender may be subject to income tax. You may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.") </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Limitations on Access to Cash Value Through Withdrawals.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Your ability to take partial surrenders is limited. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You cannot take partial surrenders during the first policy year.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Possibility of Adverse Tax Consequences.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> A policy may be classified as a “modified endowment contract” (MEC) for federal income tax purposes when issued. If a policy is not a MEC when issued, excess funding or certain changes you make to the policy may cause it to become a MEC. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Any taxable earnings come out first on surrenders or loans from a MEC policy or an assignment or pledge of a MEC policy. Investment in the policy comes out second. Federal income tax on these earnings will apply. State and local income taxes may also apply. If you are under age 59½, a 10% penalty tax may also apply to these earnings. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you exchange or replace another policy to buy this one. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you replace the old policy and it is not part of an exchange under Section 1035 of the Code, there may be adverse tax consequences if the total Policy Value (before reductions for outstanding loans, if any) exceeds your investment in the old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you replace the old policy as part of an exchange under Section 1035 of the Code and there is a loan on the old policy, there may be adverse tax consequences if the total Policy Value (before reductions for the outstanding loan) exceeds your investment in the old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The new policy may be or may become a MEC even if the old policy was not a MEC. See discussion under “Modified Endowment Contracts”. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The exchange may require a portion of the cash value of the old policy to be distributed in order to qualify the new policy as a life insurance policy for federal tax purposes. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If your policy Lapses or is fully surrendered with an outstanding policy loan, you may experience a significant tax cost. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You will be taxed on any earnings in the policy. Generally, a policy has earnings to the extent the cash value plus any outstanding loans exceeds the investment in the contract. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For non-MEC policies, it could be the case that a policy with a relatively small existing cash value could have significant as yet untaxed earnings that will be taxed upon Lapse or surrender of the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For MEC policies, earnings are the remaining earnings (any earnings that have not been previously taxed) in the policy, which could be a significant amount depending on the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The investments in the Subaccount are not adequately diversified. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If a policy fails to qualify as a life insurance policy because it is not adequately diversified, the policyholder must include in gross income the “income on the contract” (as defined in Section 7702(g) of the Code). </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Congress may change how a life insurance policy is taxed at any time. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The interpretation of current tax law is subject to change by the Internal Revenue Service (IRS) or the courts at any time. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You could lose any or all of the specific federal income tax attributes and benefits of a life insurance policy including tax-deferred accrual of cash values and income tax free death benefits. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For non-MEC policies you could lose your ability to take non-taxable distributions or loans from the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Typically, changes of this type are prospective only, but some or all of the attributes could be affected. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The IRS may determine that you are the Owner of the Fund shares held by our Variable Account. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may be taxed on the income of each Subaccount to the extent of your interest in the Subaccount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Fund Risks.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> A comprehensive discussion of the risks of each Fund in which the Subaccounts invest may be found in each Fund’s prospectus. Please refer to the prospectuses for the Funds for more information. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The investment advisers cannot guarantee that the Funds will meet their investment objectives.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Market Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Variable life insurance is a complex vehicle that is subject to market risk, including the potential loss of principal invested. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may experience loss in Policy Value due to factors that affect the overall performance of the financial markets.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Financial Strength and Claims Paying Ability Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> All insurance benefits, including the death benefit, and all guarantees, including those related to the Fixed Account, are general account obligations that are subject to the financial strength and claims paying ability of RiverSource of New York.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Policy Risk and What It Means (continued)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Cyber Security and Systems Integrity.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners. This dependence makes us susceptible to operational and information security risks from cyber-attacks. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">These risks may include the following: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the corruption or destruction of data; </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">theft, misuse or dissemination of data to the public, including your information we hold; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">These attacks and their consequences can negatively impact your policy, your privacy, your ability to conduct transactions on your policy, or your ability to receive timely service from us. There can be no assurance that we, the underlying Funds in your policy, or our other business partners will avoid losses affecting your policy due to any successful cyber-attacks or information security breaches.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Conflict of Interest Risks Related to Certain Funds Advised by Columbia Management.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> We are an affiliate of Ameriprise Financial, Inc., which is the parent company of Columbia Management Investment Advisers, LLC (Columbia Management). Columbia Management acts as investment adviser to several Fund of funds, including managed volatility Funds. As such, it retains full discretion over the investment activities and investment decisions of the Funds. These Funds invest in other registered mutual funds. In providing investment advisory services for the Funds and the underlying funds in which those Funds respectively invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions. These competing interests typically arise because Columbia Management or one of its affiliates serves as the investment adviser to the underlying Funds and may provide other services in connection with such underlying Funds, and because the compensation we and our affiliates receive for providing these investment advisory and other services varies depending on the underlying Fund.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Managed Volatility Funds’ Risks.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Managed volatility Funds employ a strategy designed to reduce overall volatility and downside risk. These Funds may also be used in conjunction with guaranteed living benefit riders we offer with various annuity contracts. Conflicts may arise because the manner in which these Funds and their strategies are executed by Columbia Management are expected to benefit us by reducing our financial risk and expense in offering guaranteed living benefit riders. Managed volatility Funds employ a strategy to reduce overall volatility and downside risk when markets are declining and market volatility is high. A successful strategy may result in less gain in your Policy Value during rising markets with higher volatility when compared to Funds not employing a managed volatility strategy. Although an investment in the managed volatility Funds may mitigate declines in your Policy Value due to declining equity markets, the Funds’ investment strategies may also curb or decrease your Policy Value during periods of positive performance by the equity markets. There is no guarantee that any of the Funds’ strategies will be successful. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility Funds.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Risks of Poor Investment Performance.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> If you direct your Net Premiums or transfer your Policy’s Value to a Subaccount that drops in value: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You can lose cash values due to adverse investment experience. There is no minimum guaranteed cash value under the Subaccounts of the Variable Account. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If the death benefit option is option 2, the death benefit could decrease from the death benefit on the previous Valuation Date due to adverse investment experience (but at no time will it be less than the Specified Amount). </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy could Lapse due to adverse investment experience if the NLG is in not effect and you do not pay the premiums needed to maintain coverage. </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The Policy is Unsuitable as a Short-term Savings Vehicle.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> The policy is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. The policy is a long-term investment that provides a death benefit that we pay to the Beneficiary upon the last surviving Insured’s death. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy has little or no Cash Surrender Value in the early policy years. Surrender Charges apply to this policy for the first seven years. A new maximum Surrender Charge schedule will apply to any additional Specified Amount for seven years after an increase in Specified Amount. Surrender Charges can significantly reduce Policy Values. During early policy years the Cash Surrender Value may be less than the premiums you pay for the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your ability to take partial surrenders is limited. You cannot take partial surrenders during the first policy year.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Risks of Policy Lapse.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> If you do not pay the premiums needed to maintain coverage: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We will not pay a death benefit if your policy Lapses. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Also, the Lapse may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.") </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy may Lapse due to Surrender Charges. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Surrender Charges affect the surrender value, which is a measure we use to determine whether your policy will enter a grace period (and possibly Lapse, which may have adverse tax consequences, see "Possibility of Adverse Tax Consequences."). A partial surrender will reduce the Policy Value and the death benefit and may terminate the NLG. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you take a loan against your policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Taking a loan increases the risk of: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">—</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">policy Lapse (which may have adverse tax consequences, see "Possibility of Adverse Tax Consequences."); </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">—</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a permanent reduction of Policy Value; </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">—</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">reducing the death benefit. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Taking a loan may also terminate the NLG. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy can Lapse due to poor investment performance. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your policy could Lapse due to adverse investment experience if the NLG is not in effect and you do not pay the premiums needed to maintain coverage. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Lapse may have adverse tax consequences (See "Possibility of Adverse Tax Consequences."). </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Exchange/Replacement Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> You exchange or replace another policy to buy this one. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may pay Surrender Charges on the old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The new policy has Surrender Charges, which may extend beyond those in the old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The new policy’s Surrender Charges may be higher than the Surrender Charges in old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may be subject to new incontestability and suicide periods on the new policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may be in a higher insurance risk rating category in the new policy which may increase the cost of the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If a partial surrender is taken prior to the exchange, you may have adverse tax consequences. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The exchange may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.") </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You use cash values or dividends from another policy to buy this one, without fully surrendering the other policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you borrow from another policy to buy this one, the loan reduces the death benefit on the other policy. If you fail to repay the loan and accrued interest, you could lose the other coverage and you may be subject to income tax if the policy Lapses or is surrendered with a loan against it. You may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.") </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Policy Risk and What It Means (continued)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you surrender cash value from another policy to buy this one, you could lose coverage on the other policy. Also, the surrender may be subject to income tax. You may have adverse tax consequences. (See "Possibility of Adverse Tax Consequences.") </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Limitations on Access to Cash Value Through Withdrawals.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Your ability to take partial surrenders is limited. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You cannot take partial surrenders during the first policy year.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Possibility of Adverse Tax Consequences.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> A policy may be classified as a “modified endowment contract” (MEC) for federal income tax purposes when issued. If a policy is not a MEC when issued, excess funding or certain changes you make to the policy may cause it to become a MEC. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Any taxable earnings come out first on surrenders or loans from a MEC policy or an assignment or pledge of a MEC policy. Investment in the policy comes out second. Federal income tax on these earnings will apply. State and local income taxes may also apply. If you are under age 59½, a 10% penalty tax may also apply to these earnings. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you exchange or replace another policy to buy this one. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you replace the old policy and it is not part of an exchange under Section 1035 of the Code, there may be adverse tax consequences if the total Policy Value (before reductions for outstanding loans, if any) exceeds your investment in the old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you replace the old policy as part of an exchange under Section 1035 of the Code and there is a loan on the old policy, there may be adverse tax consequences if the total Policy Value (before reductions for the outstanding loan) exceeds your investment in the old policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The new policy may be or may become a MEC even if the old policy was not a MEC. See discussion under “Modified Endowment Contracts”. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The exchange may require a portion of the cash value of the old policy to be distributed in order to qualify the new policy as a life insurance policy for federal tax purposes. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If your policy Lapses or is fully surrendered with an outstanding policy loan, you may experience a significant tax cost. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You will be taxed on any earnings in the policy. Generally, a policy has earnings to the extent the cash value plus any outstanding loans exceeds the investment in the contract. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For non-MEC policies, it could be the case that a policy with a relatively small existing cash value could have significant as yet untaxed earnings that will be taxed upon Lapse or surrender of the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For MEC policies, earnings are the remaining earnings (any earnings that have not been previously taxed) in the policy, which could be a significant amount depending on the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The investments in the Subaccount are not adequately diversified. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If a policy fails to qualify as a life insurance policy because it is not adequately diversified, the policyholder must include in gross income the “income on the contract” (as defined in Section 7702(g) of the Code). </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Congress may change how a life insurance policy is taxed at any time. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The interpretation of current tax law is subject to change by the Internal Revenue Service (IRS) or the courts at any time. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You could lose any or all of the specific federal income tax attributes and benefits of a life insurance policy including tax-deferred accrual of cash values and income tax free death benefits. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">For non-MEC policies you could lose your ability to take non-taxable distributions or loans from the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Typically, changes of this type are prospective only, but some or all of the attributes could be affected. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The IRS may determine that you are the Owner of the Fund shares held by our Variable Account. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may be taxed on the income of each Subaccount to the extent of your interest in the Subaccount. </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Fund Risks.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> A comprehensive discussion of the risks of each Fund in which the Subaccounts invest may be found in each Fund’s prospectus. Please refer to the prospectuses for the Funds for more information. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">The investment advisers cannot guarantee that the Funds will meet their investment objectives.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Market Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Variable life insurance is a complex vehicle that is subject to market risk, including the potential loss of principal invested. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may experience loss in Policy Value due to factors that affect the overall performance of the financial markets.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Financial Strength and Claims Paying Ability Risk.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> All insurance benefits, including the death benefit, and all guarantees, including those related to the Fixed Account, are general account obligations that are subject to the financial strength and claims paying ability of RiverSource of New York.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Cyber Security and Systems Integrity.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners. This dependence makes us susceptible to operational and information security risks from cyber-attacks. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">These risks may include the following: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the corruption or destruction of data; </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">theft, misuse or dissemination of data to the public, including your information we hold; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">These attacks and their consequences can negatively impact your policy, your privacy, your ability to conduct transactions on your policy, or your ability to receive timely service from us. There can be no assurance that we, the underlying Funds in your policy, or our other business partners will avoid losses affecting your policy due to any successful cyber-attacks or information security breaches.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Conflict of Interest Risks Related to Certain Funds Advised by Columbia Management.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> We are an affiliate of Ameriprise Financial, Inc., which is the parent company of Columbia Management Investment Advisers, LLC (Columbia Management). Columbia Management acts as investment adviser to several Fund of funds, including managed volatility Funds. As such, it retains full discretion over the investment activities and investment decisions of the Funds. These Funds invest in other registered mutual funds. In providing investment advisory services for the Funds and the underlying funds in which those Funds respectively invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions. These competing interests typically arise because Columbia Management or one of its affiliates serves as the investment adviser to the underlying Funds and may provide other services in connection with such underlying Funds, and because the compensation we and our affiliates receive for providing these investment advisory and other services varies depending on the underlying Fund.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Managed Volatility Funds’ Risks.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Managed volatility Funds employ a strategy designed to reduce overall volatility and downside risk. These Funds may also be used in conjunction with guaranteed living benefit riders we offer with various annuity contracts. Conflicts may arise because the manner in which these Funds and their strategies are executed by Columbia Management are expected to benefit us by reducing our financial risk and expense in offering guaranteed living benefit riders. Managed volatility Funds employ a strategy to reduce overall volatility and downside risk when markets are declining and market volatility is high. A successful strategy may result in less gain in your Policy Value during rising markets with higher volatility when compared to Funds not employing a managed volatility strategy. Although an investment in the managed volatility Funds may mitigate declines in your Policy Value due to declining equity markets, the Funds’ investment strategies may also curb or decrease your Policy Value during periods of positive performance by the equity markets. There is no guarantee that any of the Funds’ strategies will be successful. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility Funds.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span>
<span style="color:#000000;font-family:Arial;font-size:16.74pt;">Proceeds Payable Upon Death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If the Insured dies while the policy is in force, we will pay a benefit to the Beneficiary of the policy when the last surviving Insured dies. The amount payable is the death benefit amount minus any Indebtedness as of the Death Benefit Valuation Date.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Option 1 (level amount):</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Under the Option 1 death benefit, if death is prior to the youngest Insured’s Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Specified Amount; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a percentage of the Policy Value. The percentage is designed to ensure that the policy meets the provisions of federal tax law, which require a minimum death benefit in relation to Policy Value for your policy to qualify as life insurance.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Option 2 (variable amount):</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Under the Option 2 death benefit, if death is prior to the youngest Insured’s Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Policy Value plus the Specified Amount; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a percentage of Policy Value. The percentage is designed to ensure that the policy meets the provisions of federal tax law, which require a minimum death benefit in relation to Policy Value for your policy to qualify as life insurance.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Option 3 (return of premium, subject to a limit):</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Under the Option 3 death benefit, if death is prior to or on the youngest Insured’s Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Specified Amount plus premiums paid, less Partial Surrenders and any Partial Surrender fees; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Death Benefit Option 3 Limit shown under Policy Data; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a percentage of the Policy Value. The percentage is designed to ensure the policy meets the provisions of federal tax law, which require a minimum death benefit in relation to the Policy Value for your policy to qualify as life insurance.</span>
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<tr style="height:14.75pt;">
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:336.04pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:3pt;margin-right:15pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;margin-left:0.0pt;">Example</span></div></div></td>
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:65.99pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:13pt;margin-right:13pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Option 1</span></div></div></td>
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:65.99pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:13pt;margin-right:13pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Option 2</span></div></div></td>
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:59.99pt;"> <div style="line-height:9.4400pt;text-align:left;"> <div style="margin-left:13pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Option 3</span></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Bottom;width:336.04pt;"> <div style="line-height:9.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:15pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Specified Amount</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">100,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">100,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Bottom;white-space:nowrap;width:59.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:4.5pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">100,000</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;width:336.04pt;"> <div style="line-height:9.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:15pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Policy Value</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">5,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">5,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:59.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:4.5pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">5,000</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;width:336.04pt;"> <div style="line-height:9.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:15pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Premiums paid</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">4,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">4,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:59.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:4.5pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">4,000</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;width:336.04pt;"> <div style="line-height:9.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:15pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Death benefit</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">100,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">105,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:59.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:4.5pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">104,000</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;width:336.04pt;"> <div style="line-height:9.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:15pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Policy Value increases to</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">8,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">8,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:59.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:4.5pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">8,000</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;width:336.04pt;"> <div style="line-height:9.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:15pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Death benefit</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">100,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">108,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:59.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:4.5pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">104,000</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;width:336.04pt;"> <div style="line-height:9.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:15pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Policy Value decreases to</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">3,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">3,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:59.99pt;"> <div style="line-height:9.3700pt;margin-left:15pt;margin-right:4.5pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">3,000</span></div></div></div></td></tr>
<tr style="height:10.75pt;">
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Bottom;width:336.04pt;"> <div style="line-height:8.3700pt;text-align:left;"> <div style="margin-left:3pt;margin-right:15pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">Death benefit</span></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:8.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">100,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:65.99pt;"> <div style="line-height:8.3700pt;margin-left:15pt;margin-right:15pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">103,000</span></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Bottom;white-space:nowrap;width:59.99pt;"> <div style="line-height:8.3700pt;margin-left:15pt;margin-right:4.5pt;text-align:right;width:35.99pt;"> <div style="display:flex;margin:auto;width:37.99pt;"> <div style="display:flex;white-space:nowrap;width:37.99pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:37.99pt;">104,000</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you want to have premium payments reflected in the form of an increasing death benefit, subject to a limit, you should consider Option 3. If you want your death benefit to include the policy Specified Amount and Policy Value, you should consider Option 2. If you are satisfied with the Specified Amount of insurance protection and prefer to have premium payments and favorable investment performance reflected to the maximum extent in the Policy Value, you should consider Option 1. Under Option 1, the cost of insurance is lower because our Net Amount at Risk is generally lower; for this reason, the monthly deduction is less and a larger portion of your premiums and investment returns is retained in the Policy Value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Under all death benefit options, if death is on or after the youngest Insured’s Attained Insurance Age 120</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Policy Anniversary, the death benefit amount will be the greater of: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the death benefit on the youngest Insured’s Attained Insurance Age 120 anniversary, minus any partial surrenders and partial surrender fees occurring after the youngest Insured’s Attained Insurance Age 120 anniversary; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Policy Value on the date of death of the last surviving Insured. </span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Change in Death Benefit Option </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Prior to the youngest Insured’s Attained Insurance Age 120 anniversary, you may make a written request to change the death benefit option once per policy year. A change in the death benefit option also will change the Specified Amount. You do not need to provide additional evidence of insurability. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If you change from Option 1 to Option 2</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: The Specified Amount will decrease by an amount equal to the Policy Value on the effective date of the change. You cannot change from Option 1 to Option 2 if the resulting Specified Amount would fall below the minimum amount shown in the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If you change from Option 2 to Option 1</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: The Specified Amount will increase by an amount equal to the Policy Value on the effective date of the change. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If you change from Option 3 to Option 1</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: The Specified Amount will be the Option 3 death benefit on the effective date of the change. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may not change from Option 1 or Option 2 to Option 3, or from Option 3 to Option 2. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">An increase or decrease in Specified Amount resulting from a change in the death benefit option will affect the following: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Monthly deduction because the cost of insurance charges depends upon the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Charges for the optional Four-Year Term Insurance rider will decrease if the death benefit option change results in a decrease in the rider Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Surrender Charge will not be affected. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We reserve the right to decline to make any death benefit option change that we determine would cause the policy to fail to qualify as life insurance under applicable tax laws.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Changes in Specified Amount </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Subject to certain limitations, you may make a written request to increase or decrease the Specified Amount.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Increases: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you increase the Specified Amount, we may require additional evidence of insurability that is satisfactory to us. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The effective date of the increase will be the monthly anniversary on or next following our approval of the increase. The increase may not be less than $10,000 and we will not permit an increase after the youngest Insured’s Attained Insurance Age 85. We will have two years from the effective date of an increase in Specified Amount to contest the truth of statements or representations in the application for the increase in Specified Amount. If the last surviving Insured </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">commits suicide within two years from the effective date of any increase in Specified Amount which requires proof of insurability, the amount payable by us with respect to the increased coverage will be limited to the monthly deductions for such additional Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">An increase in the Specified Amount will have the following effect on policy costs: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your monthly deduction will increase because the cost of insurance charge depends upon the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The NLG premiums will increase. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The administrative charge will increase. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Surrender Charge will increase. A new schedule of Surrender Charges will apply to the amount of any increase in the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">At the time of the increase in Specified Amount, the Cash Surrender Value of your policy must be sufficient to pay the monthly deduction on the next Monthly Date. The increased Surrender Charge will reduce the Cash Surrender Value. If the remaining Cash Surrender Value is not sufficient to cover the monthly deduction, we will require you to pay additional premiums within the 61-day grace period. If you do not, the policy will Lapse unless the NLG is in effect. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Decreases:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> After the first policy year, you may decrease the Specified Amount subject to all of the following limitations: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Only one decrease per policy year is allowed. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We reserve the right to limit any decrease to the extent necessary to qualify the policy as life insurance under the Code. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">After the decrease, the Specified Amount may not be less than the minimum amount shown in the policy. The minimum amounts shown in the policy are: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In policy years 2-5, the Specified Amount remaining after the decrease may not be less than 75% of the initial Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In policy years 6-10, the Specified Amount remaining after the decrease may not be less than 50% of the initial Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In policy years 11-15, the Specified Amount remaining after the decrease may not be less than 25% of the initial Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In policy years 16+, the Specified Amount remaining after the decrease must be at least $1,000. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The effective date of any decrease in Specified Amount is the Monthly Date on or next following the date we receive your request. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">No Surrender Charge is imposed when you request a decrease in the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Each increase in Specified Amount is treated as a new policy for purposes of applying the limitations on decreases. Thus, the first policy year for an increase is measured from the effective date of the increase. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Example </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">This example assumes an initial Specified Amount of $100,000. In policy year 6, you increase the initial Specified Amount by $100,000. The current Specified Amount after this increase is $200,000. In policy year 10 (and 4 policy years after the effective date of the increase), you request a $125,000 decrease in the current Specified Amount. The maximum decrease permitted under these assumptions is limited to $75,000, and the Specified Amount after this decrease is $125,000, computed as follows:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
<table cellpadding="0" cellspacing="0" style="empty-cells:show;width:528pt;">
<tr style="height:10.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum reduction in initial Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> in policy year 10:</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000 X .50 =</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:12.00pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:46.7pt;">50,000</span></div></div></div></td></tr>
<tr style="height:28.5pt;">
<td style="padding-bottom:5.75pt;padding-top:4pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum reduction in increase in Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> during the fourth policy year of </span></div> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">increase:</span></div></div></td>
<td style="padding-bottom:5.75pt;padding-top:4pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000 X .25 =</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:4pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:10.3000pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:46.7pt;">+25,000</span></div></div></div></td></tr>
<tr style="height:16.5pt;">
<td style="padding-bottom:4pt;padding-top:5.75pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum permitted reduction in current Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">:</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:5.75pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:5.75pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:12.00pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:46.7pt;">75,000</span></div></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> before reduction:</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:12.00pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:46.7pt;">200,000</span></div></div></div></td></tr>
<tr style="height:16.5pt;">
<td style="padding-bottom:5.75pt;padding-top:4pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Minus maximum permitted reduction in current Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">:</span></div></div></td>
<td style="padding-bottom:5.75pt;padding-top:4pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:4pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:10.3000pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:46.7pt;">–75,000</span></div></div></div></td></tr>
<tr style="height:14.5pt;">
<td style="padding-bottom:2.5pt;padding-top:5.75pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> after reduction</span></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:5.75pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:5.75pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:12.00pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:46.7pt;">125,000</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;">A decrease in Specified Amount will affect your costs as follows: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your monthly deduction will decrease because the cost of insurance charge depends upon the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Charges for the optional Four-Year Term Insurance rider will decrease if the decrease in the policy Specified Amount results in a decrease in the rider Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The NLG premiums will decrease. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The administrative charge will not change. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Surrender Charge will not change. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We will deduct decreases in the Specified Amount from the current Specified Amount in this order: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">First from the initial Specified Amount when the policy was issued, and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Then from the increases successively following the initial Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">This procedure may affect the cost of insurance if we have applied different Risk Classifications to the current Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Misstatement of Age or Sex </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If either Insured’s age or sex has been misstated, the Proceeds payable upon death will be: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Policy Value on the date of death; plus </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the amount of insurance that would have been purchased by the cost of insurance deducted for the policy month during which death occurred, if that cost had been calculated using rates for the correct age and sex; minus </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the amount of any outstanding Indebtedness on the date of death.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Suicide </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In the event of suicide by the last surviving Insured, whether sane or insane within two years from the Policy Date, the only amount payable by us will be the premiums paid, minus any Indebtedness and partial surrenders. If the last surviving Insured commits suicide, whether sane or insane within two years, or any shorter period as may be required by applicable law, from the effective date of any increase in Specified Amount or any rider attached to the policy, then the amount payable will be limited to the monthly deductions for such additional Specified Amount or rider.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Beneficiary </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Initially, the Beneficiary will be the person you designate in your application for the policy. You may change the Beneficiary by giving us written notice, subject to requirements and restrictions stated in the policy. If you do not designate a Beneficiary, or if the designated Beneficiary dies before the last surviving Insured, the Beneficiary will be you, if living. If you are not living, the Beneficiary will be your estate. </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Option 1 (level amount):</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Under the Option 1 death benefit, if death is prior to the youngest Insured’s Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Specified Amount; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a percentage of the Policy Value. The percentage is designed to ensure that the policy meets the provisions of federal tax law, which require a minimum death benefit in relation to Policy Value for your policy to qualify as life insurance.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Option 2 (variable amount):</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Under the Option 2 death benefit, if death is prior to the youngest Insured’s Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Policy Value plus the Specified Amount; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a percentage of Policy Value. The percentage is designed to ensure that the policy meets the provisions of federal tax law, which require a minimum death benefit in relation to Policy Value for your policy to qualify as life insurance.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Option 3 (return of premium, subject to a limit):</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Under the Option 3 death benefit, if death is prior to or on the youngest Insured’s Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the lesser of: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Specified Amount plus premiums paid, less Partial Surrenders and any Partial Surrender fees; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Death Benefit Option 3 Limit shown under Policy Data; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">a percentage of the Policy Value. The percentage is designed to ensure the policy meets the provisions of federal tax law, which require a minimum death benefit in relation to the Policy Value for your policy to qualify as life insurance.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you want to have premium payments reflected in the form of an increasing death benefit, subject to a limit, you should consider Option 3. If you want your death benefit to include the policy Specified Amount and Policy Value, you should consider Option 2. If you are satisfied with the Specified Amount of insurance protection and prefer to have premium payments and favorable investment performance reflected to the maximum extent in the Policy Value, you should consider Option 1. Under Option 1, the cost of insurance is lower because our Net Amount at Risk is generally lower; for this reason, the monthly deduction is less and a larger portion of your premiums and investment returns is retained in the Policy Value.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Under all death benefit options, if death is on or after the youngest Insured’s Attained Insurance Age 120</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Policy Anniversary, the death benefit amount will be the greater of: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the death benefit on the youngest Insured’s Attained Insurance Age 120 anniversary, minus any partial surrenders and partial surrender fees occurring after the youngest Insured’s Attained Insurance Age 120 anniversary; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the Policy Value on the date of death of the last surviving Insured. </span>
<span style="color:#000000;font-family:Arial;font-size:12.09pt;">Change in Death Benefit Option </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Prior to the youngest Insured’s Attained Insurance Age 120 anniversary, you may make a written request to change the death benefit option once per policy year. A change in the death benefit option also will change the Specified Amount. You do not need to provide additional evidence of insurability. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If you change from Option 1 to Option 2</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: The Specified Amount will decrease by an amount equal to the Policy Value on the effective date of the change. You cannot change from Option 1 to Option 2 if the resulting Specified Amount would fall below the minimum amount shown in the policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If you change from Option 2 to Option 1</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: The Specified Amount will increase by an amount equal to the Policy Value on the effective date of the change. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">If you change from Option 3 to Option 1</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: The Specified Amount will be the Option 3 death benefit on the effective date of the change. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may not change from Option 1 or Option 2 to Option 3, or from Option 3 to Option 2. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">An increase or decrease in Specified Amount resulting from a change in the death benefit option will affect the following: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Monthly deduction because the cost of insurance charges depends upon the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Charges for the optional Four-Year Term Insurance rider will decrease if the death benefit option change results in a decrease in the rider Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Surrender Charge will not be affected. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We reserve the right to decline to make any death benefit option change that we determine would cause the policy to fail to qualify as life insurance under applicable tax laws.</span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Changes in Specified Amount </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Subject to certain limitations, you may make a written request to increase or decrease the Specified Amount.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Increases: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you increase the Specified Amount, we may require additional evidence of insurability that is satisfactory to us. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The effective date of the increase will be the monthly anniversary on or next following our approval of the increase. The increase may not be less than $10,000 and we will not permit an increase after the youngest Insured’s Attained Insurance Age 85. We will have two years from the effective date of an increase in Specified Amount to contest the truth of statements or representations in the application for the increase in Specified Amount. If the last surviving Insured </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">commits suicide within two years from the effective date of any increase in Specified Amount which requires proof of insurability, the amount payable by us with respect to the increased coverage will be limited to the monthly deductions for such additional Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">An increase in the Specified Amount will have the following effect on policy costs: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your monthly deduction will increase because the cost of insurance charge depends upon the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The NLG premiums will increase. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The administrative charge will increase. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Surrender Charge will increase. A new schedule of Surrender Charges will apply to the amount of any increase in the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">At the time of the increase in Specified Amount, the Cash Surrender Value of your policy must be sufficient to pay the monthly deduction on the next Monthly Date. The increased Surrender Charge will reduce the Cash Surrender Value. If the remaining Cash Surrender Value is not sufficient to cover the monthly deduction, we will require you to pay additional premiums within the 61-day grace period. If you do not, the policy will Lapse unless the NLG is in effect. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Decreases:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> After the first policy year, you may decrease the Specified Amount subject to all of the following limitations: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Only one decrease per policy year is allowed. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We reserve the right to limit any decrease to the extent necessary to qualify the policy as life insurance under the Code. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">After the decrease, the Specified Amount may not be less than the minimum amount shown in the policy. The minimum amounts shown in the policy are: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In policy years 2-5, the Specified Amount remaining after the decrease may not be less than 75% of the initial Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In policy years 6-10, the Specified Amount remaining after the decrease may not be less than 50% of the initial Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In policy years 11-15, the Specified Amount remaining after the decrease may not be less than 25% of the initial Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In policy years 16+, the Specified Amount remaining after the decrease must be at least $1,000. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The effective date of any decrease in Specified Amount is the Monthly Date on or next following the date we receive your request. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">No Surrender Charge is imposed when you request a decrease in the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Each increase in Specified Amount is treated as a new policy for purposes of applying the limitations on decreases. Thus, the first policy year for an increase is measured from the effective date of the increase. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Example </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">This example assumes an initial Specified Amount of $100,000. In policy year 6, you increase the initial Specified Amount by $100,000. The current Specified Amount after this increase is $200,000. In policy year 10 (and 4 policy years after the effective date of the increase), you request a $125,000 decrease in the current Specified Amount. The maximum decrease permitted under these assumptions is limited to $75,000, and the Specified Amount after this decrease is $125,000, computed as follows:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
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<tr style="height:10.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum reduction in initial Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> in policy year 10:</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000 X .50 =</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:12.00pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:46.7pt;">50,000</span></div></div></div></td></tr>
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<td style="padding-bottom:5.75pt;padding-top:4pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum reduction in increase in Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> during the fourth policy year of </span></div> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">increase:</span></div></div></td>
<td style="padding-bottom:5.75pt;padding-top:4pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$100,000 X .25 =</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:4pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:10.3000pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:46.7pt;">+25,000</span></div></div></div></td></tr>
<tr style="height:16.5pt;">
<td style="padding-bottom:4pt;padding-top:5.75pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum permitted reduction in current Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">:</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:5.75pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:5.75pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:12.00pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:46.7pt;">75,000</span></div></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Current Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> before reduction:</span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:12.00pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:46.7pt;">200,000</span></div></div></div></td></tr>
<tr style="height:16.5pt;">
<td style="padding-bottom:5.75pt;padding-top:4pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Minus maximum permitted reduction in current Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">:</span></div></div></td>
<td style="padding-bottom:5.75pt;padding-top:4pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:4pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:10.3000pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;width:46.7pt;">–75,000</span></div></div></div></td></tr>
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<td style="padding-bottom:2.5pt;padding-top:5.75pt;vertical-align:Bottom;width:402.44pt;"> <div style="line-height:12.00pt;text-align:left;"> <div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> after reduction</span></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:5.75pt;vertical-align:Bottom;width:79.36pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Right;white-space:nowrap;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;"> </span></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:5.75pt;vertical-align:Bottom;white-space:nowrap;width:46.2pt;"> <div style="line-height:12.00pt;margin-left:1.5pt;text-align:right;width:44.7pt;"> <div style="display:flex;margin-right:auto;width:46.7pt;"> <div style="display:flex;white-space:nowrap;width:46.7pt;"><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</span><span style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:46.7pt;">125,000</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;">A decrease in Specified Amount will affect your costs as follows: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Your monthly deduction will decrease because the cost of insurance charge depends upon the Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Charges for the optional Four-Year Term Insurance rider will decrease if the decrease in the policy Specified Amount results in a decrease in the rider Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The NLG premiums will decrease. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The administrative charge will not change. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Surrender Charge will not change. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We will deduct decreases in the Specified Amount from the current Specified Amount in this order: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">First from the initial Specified Amount when the policy was issued, and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Then from the increases successively following the initial Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">This procedure may affect the cost of insurance if we have applied different Risk Classifications to the current Specified Amount. </span>
<span style="color:#000000;font-family:Arial;font-size:16.74pt;">Other Benefits Available Under the Contract </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In addition to the standard death benefit(s) associated with your contract, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
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<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.11pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68.78pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Is the Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard or</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.61pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Limitations</span></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Four-Year Term </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Insurance Rider </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(FYT)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">FYT provides a Specified Amount of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">insurance. The FYT death benefit is paid </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">if both Insureds die during the first four </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy years.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">FYT is only available at issue.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• FYT automatically terminates on the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">four-year </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Anniversary of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">policy.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• FYT is not available if either Insured </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">is older than 85 or have certain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">substandard </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Risk Classifications.</span></div></div></td></tr>
<tr style="height:103.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Split </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Option Rider </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(PSO)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PSO permits a policy to be split into two </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">individual permanent plans of life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">insurance then offered by us for </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exchange, one on the life of each </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insured.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">PSO is only available at issue.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• PSO is not available for Insureds in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">certain </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Risk Classifications.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Both Insureds must be between </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Insurance Age</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">s 20 – 75 at issue.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the policy and this rider are still in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">force at the oldest </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insureds’ 80th </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">insurance anniversary, this rider will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automatically terminate.</span></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Overloan </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Protection </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit (OPB)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Protects the policy from Lapsing as a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">result of the loan balance exceeding the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value when certain conditions are </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">met.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">OPB can only be exercised if the </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">death benefit option 1 is in effect.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The policy must be in force for at </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">least 15 years before the OPB can be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">exercised.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The policy may not be in the grace </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">period to exercise the OPB.</span></div></div></td></tr>
<tr style="height:180.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Accounting Value </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Increase Rider </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(AVIR)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">If the policy is fully surrendered while </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the policy is in force and prior to the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">expiration date of the rider, we will waive </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">a portion of the Surrender Charge.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">This rider is only available in limited </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">situations, determined at time of </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">underwriting.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The waiver does not apply to any </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> due to increases in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, or to Partial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Surrender</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">s.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Surrender Charges will not be waived </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">if the policy is being surrendered in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">exchange for a new insurance policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">or contract. However, if you exercise </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">your right to exchange the policy for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">two individual policies under the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Policy Split Option Rider, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">s on the surrender policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">would be waived.</span></div></div></td></tr>
<tr style="height:122.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Paid Up </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Insurance Option</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">You may request that we use the Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value of the policy to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">purchase an amount of paid-up </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">insurance prior to the youngest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insured’s Attained Insurance Age120.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">When the Paid-Up Insurance option is </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">elected, you will forfeit all rights to </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">make future premium payments and </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">all riders will terminate.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The paid-up insurance policy’s death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">benefit amount, minus its </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Surrender Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, cannot be greater </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">than your current policy’s death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">benefit, minus its </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value (both </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">as of the date of the paid-up </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">insurance policy’s purchase). </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:528pt;">
<tr style="height:36.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.11pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68.78pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Is the Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard or</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.61pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Limitations</span></div></div></td></tr>
<tr style="height:312.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Automated </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transfers</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Automated transfer arrangements allow </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">you to set up periodic transfers at a set </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">interval (i.e. monthly, quarterly, etc.) </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">from one investment option to one or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">more investment option(s) under the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;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:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">Only one automated transfer </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">arrangement can be in effect at any </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">time.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Only one account can be used as the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">source of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">funds in the automatic </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">transfer arrangement.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the Fixed Account is the source of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">funds</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, you cannot set up an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">would deplete the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fixed Account in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">less than 12 months.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the value of the source of funds </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">account is less than the requested </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount, that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">occurrence of the automated transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">will not process.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum automatic transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">amount is $50.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You must allow seven days for us to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">change any automated transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">arrangement instructions that are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">currently in place.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If you made a transfer from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> to one or more Subaccounts, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">you may not make a transfer from </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">those </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Subaccounts back to the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> until the next Policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Anniversary</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">.</span></div></div></td></tr>
<tr style="height:326.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Automated </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Averaging (DCA)</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">A DCA arrangement is an automated </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transfer arrangement designed to help </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">you benefit from fluctuations in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Accumulation Unit values caused by </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fluctuations in the market values of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">underlying Funds. Under a DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">arrangement, since you invest the same </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">amount each period, you automatically </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">acquire more units when market values </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fall, fewer units when it rises. The </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">potential effect is to lower your average </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">cost per unit. There is no charge for </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">DCA.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">Only one automated transfer </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">arrangement can be in effect at any </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">time.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Only one account can be used as the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">source of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">funds in the automatic </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">transfer arrangement.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the Fixed Account is the source of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">funds</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, you cannot set up an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">would deplete the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fixed Account in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">less than 12 months.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the value of the source of funds </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">account is less than the requested </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount, that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">occurrence of the automated transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">will not process.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum automatic transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">amount is $50.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You must allow seven days for us to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">change any automated transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">arrangement instructions that are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">currently in place.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If you made a transfer from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> to one or more Subaccounts, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">you may not make a transfer from </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">those </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Subaccounts back to the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> until the next Policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Anniversary</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;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:528pt;">
<tr style="height:36.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.11pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68.78pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Is the Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard or</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.61pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Limitations</span></div></div></td></tr>
<tr style="height:202.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Special </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Averaging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(SDCA)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">An SDCA arrangement is an automated </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transfer arrangement designed to help </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">you benefit from fluctuations in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Accumulation Unit values caused by </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fluctuations in the market values of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">underlying Funds. Under an SDCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">arrangement, Net Premiums and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value is allocated to the SDCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">portion of the Fixed Account. These </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">amounts are then subsequently </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transferred, on a monthly basis and over </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">a 12-month period, to accounts </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">according to the premium allocation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">currently in effect at the time of each </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transfer. The potential effect of this </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">option is that it may allow you to lower </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">your average cost per unit. There is no </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charge for SDCA.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">The Fixed Account is the source of </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">funds.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum SDCA transfer amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">is $50.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If an SDCA transfer amount is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">allocated to one or more </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Subaccounts, you may not make a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">transfer from those Subaccounts </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">back to the Fixed Account until the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">next Policy Anniversary.</span></div></div></td></tr>
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<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The asset rebalancing feature </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">automatically transfers Policy Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">between Subaccounts at set intervals </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(i.e. monthly, quarterly, etc.) to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">correspond to your chosen allocation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">percentages among Subaccounts.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">The </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value reallocated must be </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">at least $2,000 at the time the asset </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">rebalancing is set up.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Asset rebalancing does not apply to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> in the Fixed Accounts.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Asset rebalancing must occur </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">quarterly, semiannually or annually.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You must allow 30 days for us to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">change any asset rebalancing </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">instructions that currently are in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">place.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Additional Information About Optional Benefits </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">When you purchase your policy, you may add any available optional benefits to your policy in the form of riders for an additional charge (unless otherwise noted). </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Four-Year Term Insurance Rider (FYT):</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> The four-year term insurance rider provides a pre-specified death benefit to the Beneficiary if the last surviving Insured dies during the first four years of the policy. The rider automatically terminates on the policy’s four-year Policy Anniversary. The purpose of this rider is to cover the additional estate taxes that could become due if the policy is transferred to an irrevocable trust or to a third party within three years of purchase. The rider is not available if either Insured is older than age 85, would not be eligible for an individual life insurance product, or has a life expectancy of less than one year. The minimum rider death benefit available is $50,000. The maximum rider death benefit available is 1.22 times the sum of the base policy Specified Amount. The rider Specified Amount can be decreased (not below $50,000) once per year or dropped from the policy after issue, but the rider amount cannot be increased or a rider added once the policy has been issued. If the base policy Specified Amount is decreased at any time, or a change in death benefit option from 1 to 2 is made where the base policy Specified Amount is reduced, the rider Specified Amount will also be decreased so that it does not exceed 1.22 times the base policy Specified Amount. If a change in death benefit option 2 to 1 is made, and the base policy Specified Amount is increased, the rider Specified Amount will not be increased. If the PSO is exercised, the FYT will terminate. The FYT cannot be split or carried over to the new policies. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The FYT will terminate on the earliest of the following: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The month and date on or next following receipt of your written request for coverage to end; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The four-year Policy Anniversary, as shown under Policy Data; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The date the policy terminates. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Example: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">John and Jane Doe purchase a base policy with a $1,500,000 Specified Amount, death benefit option 1, and the Four-Year Term Insurance Rider (FYT) with a rider Specified Amount of $1,830,000, the maximum rider specified amount that can be purchased. If the last surviving Insured passes away prior to the end of the fourth policy year, the Proceeds </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">payable will be $3,330,000 which is the sum of the base policy Specified Amount ($1,500,000) and the FYT Specified Amount ($1,830,000). If the last surviving Insured passes away in the fifth policy year or later, the Proceeds payable will be $1,500,000 which is the base policy Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Policy Split Option Rider (PSO):</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> The policy split option provides for the split of the policy into two individual plans of insurance, one on the life of each Insured, upon the occurrence of any of the following events: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">divorce of the Insureds; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the federal tax law is changed resulting in removal of the unlimited marital deduction or reduces by at least 50% the level of the estate taxes payable on death; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">there is a dissolution of a business partnership between the Insureds; or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">there is a dissolution of a business conducted or owned by the Insureds. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Both Insureds must be living at the time of the policy split. The policy split must be exercised no sooner than six months after a divorce and no later than one year after the divorce; within one year after an estate tax law change; or within six months of the dissolution of the business or partnership. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If the split is exercised, the initial Specified Amount on each new policy will be 50% of the Specified Amount of the split policy, minus 50% of any Indebtedness. The new policies will be individual permanent life insurance products we are issuing at the time of the split. The Policy Value minus any Indebtedness will be split equally and applied as premium payments on the new policies. Both the Surrender Charges on the split policy and any premium expense charges on the new policies will be waived resulting in the total Policy Value less Indebtedness on the new policies to be the same as the Policy Value less indebtedness of the split policy. The new policies’ rates will be based on each Insured’s Attained Insurance Age and the Insureds’ Risk Classifications in the old policies. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If the new policies are variable life insurance policies, the value of the new policies will be calculated using the Funds’ current net asset value. The total Policy Value less Indebtedness of the new policies will be the same as the Policy Value less indebtedness of the split policy. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The PSO automatically terminates at the oldest Insured’s Attained Insurance Age 80. The PSO may terminate earlier at the request of the policy owner, death of one of the Insureds, or when the policy is split. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Example: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Jane and John Doe are married and purchase a base policy with a $1,500,000 Specified Amount and the Policy Split Option Rider (PSO). Both are Insurance Age 55. Jane qualifies for the super preferred non-tobacco risk class and John qualifies for the standard non-tobacco risk class. At the beginning of the 11th policy year, when John and Jane are both Attained Insurance Age 65, a final divorce decree is issued by a court. Seven months later, Jane and John exercise the PSO rider. Upon exercise, the $160,000 Policy Value of the current policy will be reduced by the $250 rider exercise charge which results in a final Policy Value of $159,750. Both John and Jane will each receive an individual permanent life insurance policy then offered by us with a $750,000 Specified Amount which is the Specified Amount of the current policy divided by two. Both will be Insurance Age 65 and retain the risk class as under the current policy. A premium of $79,875, which is the final Policy Value of the current policy divided by two, will be applied to each of the new individual policies and any premium expense charge on the new policies will be waived. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Accounting Value Increase Rider (AVIR): </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If the policy is fully surrendered while the rider is in force and prior to the expiration of the rider at the end of the eighth policy year, we will waive a portion of the Surrender Charge. The percentage waived is set at issue and applies to all AVIRs. The percentage waived is shown in the table below. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Please note the following about AVIR: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The amount waived is a percentage of the Surrender Charge that would apply to the initial Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The waiver does not apply to any Surrender Charge due to increases in Specified Amount, or to Partial Surrenders. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Surrender Charges will not be waived if the policy is being surrendered in exchange for a new insurance policy or contract. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">During the surrender charge period of the policy, the percentage waived at Full Surrender is shown below:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
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<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:224.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Years(s)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:303.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">% of Surrender Charge Waived</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">1 - 4</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:303.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">100%</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">5</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:303.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">80%</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">6</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:303.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">65%</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">7</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:303.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">50%</span></div></div></td></tr>
<tr style="height:12.25pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">8</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:303.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">35% </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:528pt;">
<tr style="height:15.25pt;">
<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:224.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Years(s)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:303.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">% of Surrender Charge Waived</span></div></div></td></tr>
<tr style="height:12.25pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">9+</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:303.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">0%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Example: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">John and Jane Doe purchase a base policy with a $1,500,000 Specified Amount and the Accounting Value Increase Rider (AVIR). John and Jane decide to do a Full Surrender in the sixth policy year when the Policy Value is $160,000 and the Surrender Charge is $28,000. Due to the AVIR, instead of paying the Surrender Charge of $28,000, we will waive 65%, or $18,200, resulting in an actual Surrender Charge of $9,800. Therefore, the final Proceeds payable upon Full Surrender would be $150,200 which is the $160,000 Policy Value minus the actual Surrender Charge of $9,800. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Paid Up Insurance Option: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may request that we use the Cash Surrender Value of the policy to purchase an amount of paid-up insurance prior to the youngest Insured’s Attained Insurance Age 120. You may make your request in writing during the 30 days before any Policy Anniversary. The paid-up insurance policy will take effect as of the Policy Anniversary. You will forfeit all rights to make future premium payments and all riders will terminate. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The amount and Cash Surrender Value of the paid-up insurance policy will be based on the cost of insurance rates guaranteed in the policy and on the Fixed Account guaranteed interest rate. The paid-up insurance policy’s death benefit amount, minus its Cash Surrender Value, cannot be greater than your current policy’s death benefit, minus its Policy Value (both as of the date of the paid-up insurance policy’s purchase). The amount of paid-up insurance will remain level and will not be less than required by law. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Any Cash Surrender Value that is not used to purchase the paid-up insurance amount will be paid to you. At any time before the last surviving Insured’s death, you may surrender the paid-up insurance for its Cash Surrender Value. </span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Additional Information About Standard Benefits (Other than Standard Death Benefits) </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">In addition to the standard death benefits, other standard benefits are included with your policy at no additional cost, as described further below. </span><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Automated Transfers:</span><span style="font-family:Arial;font-size:9.30pt;"> You can arrange to have Policy Value transferred from one account to another automatically. Only one automated transfer arrangement can be in effect at any time. You can transfer all or part of the value of a Subaccount to one or more of the other Subaccounts and/or to the Fixed Account. You can transfer all or part of the Fixed Account Value, minus Indebtedness, to one or more of the Subaccounts. Only one account can be used as the source of funds for any automated transfer arrangement. If the Fixed Account is the source of funds for the arrangement, you cannot set up an automated transfer amount that would deplete the Fixed Account in less than 12 months. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The minimum automated transfer amount is $50. On the date of a transfer, if the Policy Value in the source of funds account is less than the amount to be transferred under the arrangement, the transfer will not be processed. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If you made a transfer from the Fixed Account to one or more Subaccounts, you may not make a transfer from those Subaccounts back to the Fixed Account until the next Policy Anniversary. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may make automated transfers by choosing a schedule we provide. You must allow seven days for us to change any automated transfer arrangement instructions that are currently in place. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The example below illustrates how an automated transfer arrangement works. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">John and Jane Doe purchase a base policy. They make a one-time premium payment at issue of $120,000 and allocate it all to the Fixed Account. They set up an automated transfer arrangement to transfer $10,000 a month from the Fixed Account equally into two Subaccounts over a 12-month period. The following shows the transaction that will automatically take place each of the next 12 months.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
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<tr style="height:15.25pt;">
<td colspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:528.0pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Value Transferring Into or Out of Each Account</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Frequency</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fixed Account</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Subaccount #1</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Subaccount #2</span></div></div></td></tr>
<tr style="height:12.25pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Monthly</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">-10,000</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">+5,000</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">+5,000</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Dollar-Cost Averaging:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Dollar-cost averaging involves investing a fixed amount at regular intervals. For example, you might have a set amount transferred monthly from a relatively conservative Subaccount to a more aggressive one, or to several others. This systematic approach can help you benefit from fluctuations in Accumulation Unit values caused by fluctuations in the market values of the underlying Fund. Since you invest the same amount each period, you automatically acquire more units when the market value falls, fewer units when it rises. The potential effect is to lower your average cost per unit. There is no charge for dollar-cost averaging. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Example:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </span>
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<tr style="height:30.75pt;">
<td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:116.64pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">By investing an equal number</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">of dollars each month…</span></div></div></td>
<td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:72pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;"> </span></div></div></td>
<td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:78pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:4pt;margin-right:22pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Month</span></div></div></td>
<td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:78.55pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:22pt;margin-right:22pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Amount</span></div> <div style="margin-left:22pt;margin-right:22pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Invested</span></div></div></td>
<td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:97.1pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:22pt;margin-right:22pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Accumulation</span></div> <div style="margin-left:22pt;margin-right:22pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Unit Value</span></div></div></td>
<td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:85.72pt;"> <div style="line-height:7.4400pt;text-align:left;"> <div style="margin-left:22pt;margin-right:22pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Number</span></div> <div style="margin-left:22pt;margin-right:22pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">of Units</span></div> <div style="margin-left:22pt;margin-right:22pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;font-weight:bold;">Purchased</span></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Middle;width:116.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">Jan</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">20</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.5pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">5.00</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:116.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">Feb</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">18</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">5.56</span></div></div></div></td></tr>
<tr style="height:16.13pt;">
<td rowspan="2" style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:116.64pt;"> <div style="line-height:9.3700pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">you automatically buy</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">more units when the</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">per unit market price is low…</span></div></div></td>
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">Mar</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">17</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">5.88</span></div></div></div></td></tr>
<tr style="height:16.13pt;">
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"><span style="color:#000000;font-family:Arial;font-size:13.02pt;width:69.12pt;">→</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">Apr</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">15</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">6.67</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:116.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">May</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">16</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">6.25</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:116.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">June</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">18</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">5.56</span></div></div></div></td></tr>
<tr style="height:14.25pt;">
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:116.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">July</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">17</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">5.88</span></div></div></div></td></tr>
<tr style="height:16.13pt;">
<td rowspan="2" style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;width:116.64pt;"> <div style="line-height:9.3700pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">and fewer units</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">when the per unit</span></div> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;">market price is high.</span></div></div></td>
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">Aug</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">19</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">5.26</span></div></div></div></td></tr>
<tr style="height:16.13pt;">
<td style="border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"><span style="color:#000000;font-family:Arial;font-size:13.02pt;width:69.12pt;">→</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:9.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">Sept</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">21</span></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:2pt solid #FFFFFF;padding-bottom:2.75pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:9.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">4.76</span></div></div></div></td></tr>
<tr style="height:10.75pt;">
<td style="padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;width:116.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:72pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:67.12pt;"> <div style="display:flex;margin:auto;width:69.12pt;"> <div style="display:flex;white-space:nowrap;width:69.12pt;"> </div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78pt;"> <div style="line-height:8.3700pt;margin-left:6pt;margin-right:24pt;text-align:right;width:48pt;"> <div style="display:flex;margin:auto;width:18.16pt;"> <div style="display:flex;white-space:nowrap;width:18.16pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.16pt;">Oct</span></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:78.55pt;"> <div style="line-height:8.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:30.55pt;"> <div style="display:flex;margin:auto;width:21.19pt;"> <div style="display:flex;white-space:nowrap;width:21.19pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:21.19pt;">100</span></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:97.1pt;"> <div style="line-height:8.3700pt;margin-left:24pt;margin-right:24pt;text-align:right;width:49.1pt;"> <div style="display:flex;margin:auto;width:16.39pt;"> <div style="display:flex;white-space:nowrap;width:16.39pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:16.39pt;">20</span></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2.5pt;padding-top:2.75pt;vertical-align:Middle;white-space:nowrap;width:85.72pt;"> <div style="line-height:8.3700pt;margin-left:24pt;margin-right:12pt;text-align:right;width:37.72pt;"> <div style="display:flex;margin:auto;width:18.79pt;"> <div style="display:flex;white-space:nowrap;width:18.79pt;"><span style="color:#000000;font-family:Arial;font-size:7.44pt;width:18.79pt;">5.00</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You have paid an average price of only $17.91 per unit over the ten months, while the average market price actually was $18.10. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Dollar-cost averaging does not guarantee that any Subaccount will gain in value, nor will it protect against a decline in value if market prices fall. Because this strategy involves continuous investing, your success with dollar-cost averaging will depend upon your willingness to continue to invest regularly through periods of low price levels. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Special Dollar-Cost Averaging (SDCA)</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">: Under an SDCA arrangement, you may allocate SDCA allocations to the SDCA portion of the Fixed Account. SDCA allocations will be transferred out over a period of time, currently 12 months. SDCA transfers will automatically occur monthly on each Monthly Date anytime there is value in the SDCA portion of the Fixed Account. SDCA transfers will be allocated to Subaccounts or the non-SDCA portion of the Fixed Account according to the premium allocation in effect at the time of each transfer. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">You may cancel an SDCA arrangement at any time by transferring the remaining value allocated to the SDCA arrangement to any other account. Any Fixed Account transfer rules will apply to such transfers. We reserve the right to discontinue the ability to allocate additional amounts to the SDCA arrangement. If this occurs, SDCA transfers will continue as described for any previous SDCA allocations that are already part of an SDCA arrangement. We also reserve the right to make another account available as the account to which SDCA allocations are allocated to and/or offer additional transfer periods (e.g. 6-months or 9-months). </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">An SDCA arrangement does not guarantee that any Subaccount or other Policy Value will gain in value, nor will it protect against a decline in Policy Value if market prices fall. Because this strategy involves continuous investing, your success with SDCA will depend upon your willingness to continue to invest regularly through periods of low-price levels. For further information regarding SDCA, see “Special Dollar-Cost Averaging”. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Asset Rebalancing:</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> Subject to availability, you can set up an asset rebalancing arrangement to reallocate the variable Subaccount portion of your Policy Value according to the percentages (in whole percentage amounts) that you choose. The Policy Value must be at least $2,000 at the time the arrangement is set up. Asset rebalancing does not apply to the Fixed Account. We automatically will rebalance the variable Subaccount portion of your Policy Value quarterly, semiannually or annually. The period you select will start to run on the date you specify. On the first Valuation Date of each of these periods, we automatically will rebalance your Policy Value so that the value in each Subaccount matches your current Subaccount percentage allocations. We rebalance by transferring Policy Value between Subaccounts. You can change your percentage allocations or your rebalancing period at any time. We will restart the rebalancing period you selected as of the date you specify. You may discontinue the asset rebalancing arrangement at any time. There is no charge for asset rebalancing. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Example: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">John and Jane Doe purchase a base policy and request quarterly automatic asset rebalancing. The following shows what transactions will take place on a quarterly asset rebalancing date to reallocate the $200,000 value in the Subaccounts according to the chosen Subaccount percentage allocations.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.0000pt;"> </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:528pt;">
<tr style="height:45.25pt;">
<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:224.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Accounts</span></div></div></td>
<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:101pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset Rebalance </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Subaccount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Percentage </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Allocations</span></div></div></td>
<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:101pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Value before </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset Rebalancing </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transactions </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">between</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div></div></td></tr>
<tr style="height:12.25pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Fixed Account</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$50,000</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;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:528pt;">
<tr style="height:45.25pt;">
<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:224.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Accounts</span></div></div></td>
<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:101pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset Rebalance </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Subaccount </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Percentage </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Allocations</span></div></div></td>
<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:101pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Value before </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:101.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset Rebalancing </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transactions </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">between</span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Subaccounts</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Subaccount #1</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">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:Top;width:101pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$120,000</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">-$20,000</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Subaccount #2</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">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:Top;width:101pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$45,000</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">+$5,000</span></div></div></td></tr>
<tr style="height:14.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Subaccount #3</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">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:Top;width:101pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$35,000</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">+15,000</span></div></div></td></tr>
<tr style="height:12.25pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:224.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Total Policy Value</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">$250,000</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:101.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Overloan Protection Benefit (OPB).</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;"> The overloan protection benefit prevents the policy from Lapsing due to the loan balance exceeding Policy Value. The OPB is included with new policies. The feature may be exercised by the policy Owner when all of the following conditions are met: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The policy has been in force for at least 15 years; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The youngest Insured’s Attained Insurance Age is at least 75 but not greater than 95; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Policy Indebtedness must be greater than the Specified Amount and greater than or equal to the Indebtedness percentage shown under Policy Data; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Cash Surrender Value is sufficient to pay the exercise charge; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The death benefit option in effect is option 1; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The policy has not yet entered the grace period; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The policy is not a modified endowment contract, as defined by Section 7702A of the Internal Revenue Code, and exercising the benefit does not cause the policy to become a modified endowment contract; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">No current or future distributions will be required from the policy to maintain its qualification for treatment as a life insurance policy under the Internal Revenue Code; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The sum of Partial Surrenders taken to date are greater than or equal to the amount that can be withdrawn from the policy without creating adverse tax consequences. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">If all of the above conditions have been met, the policy owner may submit a written request to exercise the benefit to prevent the policy from entering the grace period. The benefit will become effective on the next monthly anniversary following receipt of request. Exercising the benefit is irrevocable. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">A one-time charge to exercise the benefit will be deducted from Policy Value. The charge is a percentage of the Policy Value that will not exceed the maximum exercise charge of 3%. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Once the OPB has been exercised, the following changes to the base policy will occur: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The policy becomes a paid-up life insurance policy and no additional premium payments will be required, nor will any premium payments be accepted; however, loan repayments will be accepted. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Monthly deductions will no longer be taken. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">3.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Partial Surrenders will no longer be available. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">4.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Additional loans will no longer be available. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">5.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Any outstanding loan will remain and interest will be charged at the current loan interest rate as shown under Policy Data. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">6.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The NLG will no longer be in effect and cannot be reinstated. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">7.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The death benefit option cannot be changed. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">8.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Changes to the Specified Amount will no longer be allowed. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">9.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Any riders attached to the policy will terminate. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Once the benefit has been exercised, the death benefit will be the applicable percentage from the Death Benefit Percentage Table as shown under Policy Data, multiplied by Policy Value or Indebtedness, whichever is greater. At the time of the exercise, this means the Death Benefit will decrease by as much as the one-time OPB exercise charge, which is currently 3%, multiplied by applicable percentage from the Death Benefit Percentage Table as shown under Policy Data. This may result in a significant reduction in the Proceeds payable upon death of the last surviving Insured. The OPB will terminate upon termination of the policy. If the policy terminates and is later reinstated, the OPB will also be reinstated with the policy. When the OPB is available to exercise, a notification will be sent to the policy owner. Once the benefit is exercised, a notification listing the changes to the policy will be sent to the policy owner. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Example: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">John and Jane Doe purchase a base policy with a $1,500,000 Specified Amount, death benefit option 1, and the Overloan Protection Benefit (OPB). At the beginning of the 26th policy year: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Both John and Jane are Attained Insurance Age 80. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Premiums paid to date equal $700,000. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Partial Surrenders and Partial Surrender Charges amounting to $700,000 have been taken. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">the current Specified Amount is $800,000 (the initial Specified Amount minus the Partial Surrenders and Partial Surrender Charges to date). </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Policy Value is $850,000. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">There is outstanding Indebtedness equal to $820,000. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The death benefit is 892,500 which is the greater of the Specified Amount and the Policy Value times 1.05 which is the applicable percentage for the Death Benefit Percentage Table. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Proceeds payable upon death of the last surviving Insured at this point in time would be $72,500 which is the death benefit of $892,500 minus the outstanding Indebtedness of $820,000. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">At this point, John and Jane decide to exercise their OPB to prevent the policy from lapsing. The exercise of the OPB will result in the following: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">No more premium payments are required, nor will premium payments be accepted. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The policy will be assessed a one-time OPB exercise charge of $25,500 resulting in an updated Policy Value of $824,500. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Outstanding Indebtedness remains at $820,000. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Loan repayments will still be accepted. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The new death benefit immediately after the exercise will be $865,725 which is the greater of the updated Policy Value or outstanding Indebtedness times 1.05. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The Proceeds payable upon death of the last surviving Insured would now be $45,725 which is the new death benefit of $865,725 minus the outstanding Indebtedness of $820,000. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;">Exchange for a Fixed Benefit Policy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">. For two years after the policy is issued, we may allow you to exchange your policy for a life insurance policy with benefits that do not vary with the investment experience of the Subaccounts (“Fixed Benefit Policy”). This is accomplished by a transfer of all of the value in the Subaccounts to the Fixed Account without charge. The rules for transferring from the Subaccounts to the Fixed Account following a Fixed Account to Subaccount transfer will be waived only once. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">Depending on the timing and the individual circumstances surrounding the exchange, the Fixed Benefit Policy will be on the life of the same Insureds and at the time of the exchange will have the same Policy Date and issue ages and a death benefit at least as great as the initial death benefit of your policy (assuming no decrease in Specified Amount prior to the exchange). The exchange may be subject to an equitable cash adjustment, which will recognize the investment performance of the policy through the effective date of the exchange. An exchange will be effective when we receive a written request in Good Order. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-style:italic;">Example: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">John Doe lives in California and is the Owner and Insured of a variable universal life insurance policy. Twelve months after the policy is issued, John decides he would rather own a policy that is not subject to the investment experience of the Funds in which the Variable Account divisions that support his policy invest, and would rather own a policy that earns a fixed rate of interest. Subject to the company’s requirements, John has up to twelve more months to exchange his variable policy for a Fixed Benefit Policy without the company requiring evidence of insurability. </span><span style="color:#000000;font-family:Arial;font-size:12.09pt;">Changes to the Policies </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We reserve the right to do any of the following: </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">make any changes necessary to maintain the status of the policy as life insurance under the Code; </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">make other changes required under federal or state law relating to life insurance; </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">suspend or discontinue sale of the policies; and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">comply with applicable law. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">We will give you any required notice and receive any regulatory approval before we make any of these changes.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;line-height:10.2300pt;"> </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:528pt;">
<tr style="height:36.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.11pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68.78pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Is the Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard or</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.61pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Limitations</span></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Four-Year Term </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Insurance Rider </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(FYT)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">FYT provides a Specified Amount of </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">insurance. The FYT death benefit is paid </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">if both Insureds die during the first four </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy years.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">FYT is only available at issue.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• FYT automatically terminates on the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">four-year </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Anniversary of the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">policy.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• FYT is not available if either Insured </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">is older than 85 or have certain </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">substandard </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Risk Classifications.</span></div></div></td></tr>
<tr style="height:103.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Split </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Option Rider </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(PSO)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PSO permits a policy to be split into two </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">individual permanent plans of life </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">insurance then offered by us for </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exchange, one on the life of each </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insured.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">PSO is only available at issue.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• PSO is not available for Insureds in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">certain </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Risk Classifications.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Both Insureds must be between </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Insurance Age</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">s 20 – 75 at issue.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the policy and this rider are still in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">force at the oldest </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insureds’ 80th </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">insurance anniversary, this rider will </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automatically terminate.</span></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Overloan </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Protection </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit (OPB)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Protects the policy from Lapsing as a </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">result of the loan balance exceeding the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value when certain conditions are </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">met.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">OPB can only be exercised if the </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">death benefit option 1 is in effect.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The policy must be in force for at </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">least 15 years before the OPB can be </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">exercised.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The policy may not be in the grace </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">period to exercise the OPB.</span></div></div></td></tr>
<tr style="height:180.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Accounting Value </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Increase Rider </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(AVIR)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">If the policy is fully surrendered while </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the policy is in force and prior to the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">expiration date of the rider, we will waive </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">a portion of the Surrender Charge.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">This rider is only available in limited </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">situations, determined at time of </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">underwriting.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The waiver does not apply to any </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> due to increases in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, or to Partial </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Surrender</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">s.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Surrender Charges will not be waived </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">if the policy is being surrendered in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">exchange for a new insurance policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">or contract. However, if you exercise </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">your right to exchange the policy for </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">two individual policies under the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Policy Split Option Rider, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">s on the surrender policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">would be waived.</span></div></div></td></tr>
<tr style="height:122.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Paid Up </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Insurance Option</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">You may request that we use the Cash </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value of the policy to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">purchase an amount of paid-up </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">insurance prior to the youngest </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insured’s Attained Insurance Age120.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">When the Paid-Up Insurance option is </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">elected, you will forfeit all rights to </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">make future premium payments and </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">all riders will terminate.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The paid-up insurance policy’s death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">benefit amount, minus its </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cash </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Surrender Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, cannot be greater </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">than your current policy’s death </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">benefit, minus its </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value (both </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">as of the date of the paid-up </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">insurance policy’s purchase). </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:528pt;">
<tr style="height:36.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.11pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68.78pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Is the Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard or</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.61pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Limitations</span></div></div></td></tr>
<tr style="height:312.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Automated </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transfers</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Automated transfer arrangements allow </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">you to set up periodic transfers at a set </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">interval (i.e. monthly, quarterly, etc.) </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">from one investment option to one or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">more investment option(s) under the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;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:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">Only one automated transfer </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">arrangement can be in effect at any </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">time.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Only one account can be used as the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">source of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">funds in the automatic </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">transfer arrangement.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the Fixed Account is the source of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">funds</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, you cannot set up an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">would deplete the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fixed Account in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">less than 12 months.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the value of the source of funds </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">account is less than the requested </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount, that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">occurrence of the automated transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">will not process.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum automatic transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">amount is $50.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You must allow seven days for us to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">change any automated transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">arrangement instructions that are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">currently in place.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If you made a transfer from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> to one or more Subaccounts, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">you may not make a transfer from </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">those </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Subaccounts back to the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> until the next Policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Anniversary</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">.</span></div></div></td></tr>
<tr style="height:326.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Automated </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Averaging (DCA)</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">A DCA arrangement is an automated </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transfer arrangement designed to help </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">you benefit from fluctuations in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Accumulation Unit values caused by </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fluctuations in the market values of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">underlying Funds. Under a DCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">arrangement, since you invest the same </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">amount each period, you automatically </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">acquire more units when market values </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fall, fewer units when it rises. The </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">potential effect is to lower your average </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">cost per unit. There is no charge for </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">DCA.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">Only one automated transfer </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">arrangement can be in effect at any </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">time.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Only one account can be used as the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">source of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">funds in the automatic </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">transfer arrangement.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the Fixed Account is the source of </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">funds</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, you cannot set up an </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">would deplete the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fixed Account in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">less than 12 months.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the value of the source of funds </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">account is less than the requested </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount, that </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">occurrence of the automated transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">will not process.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum automatic transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">amount is $50.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You must allow seven days for us to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">change any automated transfer </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">arrangement instructions that are </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">currently in place.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If you made a transfer from the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> to one or more Subaccounts, </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">you may not make a transfer from </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">those </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Subaccounts back to the Fixed </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> until the next Policy </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Anniversary</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;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:528pt;">
<tr style="height:36.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Name of Benefit</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.11pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Purpose</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:68.78pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Is the Benefit</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Standard or</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Optional</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:186.61pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Brief Description of Restrictions / </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Limitations</span></div></div></td></tr>
<tr style="height:202.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Special </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Averaging </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(SDCA)</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">An SDCA arrangement is an automated </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transfer arrangement designed to help </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">you benefit from fluctuations in </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Accumulation Unit values caused by </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fluctuations in the market values of the </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">underlying Funds. Under an SDCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">arrangement, Net Premiums and/or </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value is allocated to the SDCA </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">portion of the Fixed Account. These </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">amounts are then subsequently </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transferred, on a monthly basis and over </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">a 12-month period, to accounts </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">according to the premium allocation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">currently in effect at the time of each </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transfer. The potential effect of this </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">option is that it may allow you to lower </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">your average cost per unit. There is no </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charge for SDCA.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">The Fixed Account is the source of </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">funds.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum SDCA transfer amount </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">is $50.</span></div></div> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If an SDCA transfer amount is </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">allocated to one or more </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Subaccounts, you may not make a </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">transfer from those Subaccounts </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">back to the Fixed Account until the </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">next Policy Anniversary.</span></div></div></td></tr>
<tr style="height:122.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.11pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The asset rebalancing feature </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">automatically transfers Policy Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">between Subaccounts at set intervals </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(i.e. monthly, quarterly, etc.) to </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">correspond to your chosen allocation </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">percentages among Subaccounts.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:68.78pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Standard</span></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:186.61pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">The </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value reallocated must be </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">at least $2,000 at the time the asset </span></div> <div style="margin-left:0pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">rebalancing is set up.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Asset rebalancing does not apply to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> in the Fixed Accounts.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Asset rebalancing must occur </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">quarterly, semiannually or annually.</span></div></div> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You must allow 30 days for us to </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">change any asset rebalancing </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">instructions that currently are in </span></div> <div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">place.</span></div></div></td></tr></table>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Four-Year Term </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Insurance Rider </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(FYT)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">FYT provides a Specified Amount of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">insurance. The FYT death benefit is paid </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">if both Insureds die during the first four </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy years.</span>
true
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">FYT is only available at issue.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• FYT automatically terminates on the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">four-year </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Anniversary of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">policy.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• FYT is not available if either Insured </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">is older than 85 or have certain </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">substandard </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Risk Classifications.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Policy Split </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Option Rider </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(PSO)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PSO permits a policy to be split into two </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">individual permanent plans of life </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">insurance then offered by us for </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exchange, one on the life of each </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insured.</span>
true
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">PSO is only available at issue.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• PSO is not available for Insureds in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">certain </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Risk Classifications.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Both Insureds must be between </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Insurance Age</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">s 20 – 75 at issue.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the policy and this rider are still in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">force at the oldest </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insureds’ 80th </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">insurance anniversary, this rider will </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automatically terminate.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Overloan </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Protection </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Benefit (OPB)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Protects the policy from Lapsing as a </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">result of the loan balance exceeding the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value when certain conditions are </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">met.</span>
true
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">OPB can only be exercised if the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">death benefit option 1 is in effect.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The policy must be in force for at </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">least 15 years before the OPB can be </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">exercised.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The policy may not be in the grace </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">period to exercise the OPB.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Accounting Value </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Increase Rider </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(AVIR)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">If the policy is fully surrendered while </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the policy is in force and prior to the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">expiration date of the rider, we will waive </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">a portion of the Surrender Charge.</span>
true
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">This rider is only available in limited </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">situations, determined at time of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">underwriting.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The waiver does not apply to any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> due to increases in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, or to Partial </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Surrender</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">s.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Surrender Charges will not be waived </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">if the policy is being surrendered in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">exchange for a new insurance policy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">or contract. However, if you exercise </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">your right to exchange the policy for </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">two individual policies under the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Policy Split Option Rider, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">s on the surrender policy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">would be waived.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Paid Up </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Insurance Option</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">You may request that we use the Cash </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Surrender Value of the policy to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">purchase an amount of paid-up </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">insurance prior to the youngest </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Insured’s Attained Insurance Age120.</span>
true
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">When the Paid-Up Insurance option is </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">elected, you will forfeit all rights to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">make future premium payments and </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">all riders will terminate.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The paid-up insurance policy’s death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">benefit amount, minus its </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cash </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Surrender Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, cannot be greater </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">than your current policy’s death </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">benefit, minus its </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value (both </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">as of the date of the paid-up </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">insurance policy’s purchase). </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Automated </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Transfers</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Automated transfer arrangements allow </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">you to set up periodic transfers at a set </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">interval (i.e. monthly, quarterly, etc.) </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">from one investment option to one or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">more investment option(s) under the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">policy.</span>
true
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">Only one automated transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">arrangement can be in effect at any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">time.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Only one account can be used as the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">source of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">funds in the automatic </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">transfer arrangement.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the Fixed Account is the source of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">funds</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, you cannot set up an </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount that </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">would deplete the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fixed Account in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">less than 12 months.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the value of the source of funds </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">account is less than the requested </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount, that </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">occurrence of the automated transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">will not process.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum automatic transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">amount is $50.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You must allow seven days for us to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">change any automated transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">arrangement instructions that are </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">currently in place.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If you made a transfer from the Fixed </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> to one or more Subaccounts, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">you may not make a transfer from </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">those </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Subaccounts back to the Fixed </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> until the next Policy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Anniversary</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Automated </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Averaging (DCA)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">A DCA arrangement is an automated </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transfer arrangement designed to help </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">you benefit from fluctuations in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Accumulation Unit values caused by </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fluctuations in the market values of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">underlying Funds. Under a DCA </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">arrangement, since you invest the same </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">amount each period, you automatically </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">acquire more units when market values </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fall, fewer units when it rises. The </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">potential effect is to lower your average </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">cost per unit. There is no charge for </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">DCA.</span>
true
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">Only one automated transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">arrangement can be in effect at any </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">time.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Only one account can be used as the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">source of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">funds in the automatic </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">transfer arrangement.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the Fixed Account is the source of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">funds</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">, you cannot set up an </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount that </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">would deplete the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fixed Account in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">less than 12 months.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If the value of the source of funds </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">account is less than the requested </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">automated transfer amount, that </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">occurrence of the automated transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">will not process.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum automatic transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">amount is $50.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You must allow seven days for us to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">change any automated transfer </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">arrangement instructions that are </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">currently in place.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If you made a transfer from the Fixed </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> to one or more Subaccounts, </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">you may not make a transfer from </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">those </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Subaccounts back to the Fixed </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> until the next Policy </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Anniversary</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Special </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Dollar-Cost </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Averaging </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">(SDCA)</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">An SDCA arrangement is an automated </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transfer arrangement designed to help </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">you benefit from fluctuations in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Accumulation Unit values caused by </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fluctuations in the market values of the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">underlying Funds. Under an SDCA </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">arrangement, Net Premiums and/or </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value is allocated to the SDCA </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">portion of the Fixed Account. These </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">amounts are then subsequently </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transferred, on a monthly basis and over </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">a 12-month period, to accounts </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">according to the premium allocation </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">currently in effect at the time of each </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">transfer. The potential effect of this </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">option is that it may allow you to lower </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">your average cost per unit. There is no </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">charge for SDCA.</span>
true
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">The Fixed Account is the source of </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">funds.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• The minimum SDCA transfer amount </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">is $50.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• If an SDCA transfer amount is </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">allocated to one or more </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Subaccounts, you may not make a </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">transfer from those Subaccounts </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">back to the Fixed Account until the </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">next Policy Anniversary.</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Asset </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Rebalancing</span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The asset rebalancing feature </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">automatically transfers Policy Value </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">between Subaccounts at set intervals </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(i.e. monthly, quarterly, etc.) to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">correspond to your chosen allocation </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">percentages among Subaccounts.</span>
true
<span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">•</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:3.50pt;">The </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Policy Value reallocated must be </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">at least $2,000 at the time the asset </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:12.00pt;">rebalancing is set up.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Asset rebalancing does not apply to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> in the Fixed Accounts.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• Asset rebalancing must occur </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">quarterly, semiannually or annually.</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">• You must allow 30 days for us to </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">change any asset rebalancing </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">instructions that currently are in </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;margin-left:11.00pt;">place.</span>
<span style="color:#000000;font-family:Arial;font-size:16.74pt;">Appendix A: Funds Available Under the Policy</span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The following is a list of funds available under the policy. More information about the funds is available in the prospectuses for the funds, which may be amended from time to time and can be found online at riversource.com/insurance. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to riversourceannuityservice@ampf.com. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The current expenses and performance information below reflects fee and expenses of the funds, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each 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:0.0000pt;"> </span>
<span style="color:#000000;font-family:Arial;font-size:9.30pt;">The following is a list of funds available under the policy. More information about the funds is available in the prospectuses for the funds, which may be amended from time to time and can be found online at riversource.com/insurance. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to riversourceannuityservice@ampf.com. </span><span style="color:#000000;font-family:Arial;font-size:9.30pt;">The current expenses and performance information below reflects fee and expenses of the funds, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each 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:0.0000pt;"> </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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</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:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">AB VPS Large Cap Growth Portfolio (Class A)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.65%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">13.13%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">12.04%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">16.17%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allspring VT Opportunity Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Funds Management, LLC, adviser; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Global Investments, LLC, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.75%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.00%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">9.22%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.13%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allspring VT Small Cap Growth Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Funds Management, LLC, adviser; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Global Investments, LLC, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.91%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.55%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(0.70%)</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.22%</span></div></div></div></td></tr>
<tr style="height:114.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Portfolio seeks </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment results that </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">correspond (before fees </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and expenses) generally </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the price and yield </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of its </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">underlying index, the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Alerian Midstream </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Energy Select Index (the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">"Index").</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">ALPS | Alerian Energy Infrastructure Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">ALPS Advisors, Inc.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.95%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">5.09%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">22.54%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">11.11%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high total </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment return.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">BlackRock Global Allocation V.I. Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC, adviser; BlackRock </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(Singapore) Limited and BlackRock </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">International Limited, sub-advisers.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.76%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">19.80%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">5.79%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.59%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum total </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment return </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">through a combination </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital growth and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Balanced Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.71%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.05%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">8.72%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.74%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with total </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Commodity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Strategy Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.73%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.48%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">12.76%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">6.75%</span></div></div></div></td></tr>
<tr style="height:45.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consisting of long-term </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Contrarian Core </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.70%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">17.65%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">14.18%</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.32%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Cornerstone </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1) (previously Columbia </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Large Cap Growth Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1))</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.71%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">16.14%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">14.04%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.97%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Disciplined </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Core Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.68%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.63%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">14.16%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">13.59%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and, as a secondary </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective, steady growth </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Dividend </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Opportunity Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.65%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.83%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">11.88%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.43%</span></div></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Non-diversified fund that </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">total return through </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">secondarily, through </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Markets Bond Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.73%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.78%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">1.70%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">4.28%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Emerging </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Markets Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">1.09%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">31.17%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(1.13%)</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.27%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maximum current </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">liquidity and stability of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">principal.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Government </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Money Market Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.34%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">3.97%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">2.97%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">1.89%</span></div></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income as its </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primary objective and, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">as its secondary </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective, capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - High Yield Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.64%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">8.81%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">4.18%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">5.78%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">total return through </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Income </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Opportunities Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.64%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">8.78%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">3.86%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">5.42%</span></div></div></div></td></tr>
<tr style="height:78.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while attempting to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conserve the value of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the investment for the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">longest period of time.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Intermediate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Bond Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.53%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.06%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(0.43%)</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">2.77%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Large Cap Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.25%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">17.58%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">14.13%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.49%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consisting of current </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Long </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Government/Credit Bond Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.47%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">6.24%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(5.24%)</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">1.56%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Overseas Core </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.80%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">38.26%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">9.19%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.82%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Large </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cap Value Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.69%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">28.27%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">13.59%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.58%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth of capital.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Mid Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.83%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.14%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">7.53%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.17%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Mid Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Value Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.83%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.18%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">11.18%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.44%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Short </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Corporate Income Fund (Class 1) (previously </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Limited </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Duration Credit Fund (Class 1))</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.41%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">6.35%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">2.14%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">3.19%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Small </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cap Value Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.85%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">6.59%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">8.94%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">8.23%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Seligman </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Global Technology Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.93%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">34.70%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">18.71%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">23.01%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consisting of current </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Strategic </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Income Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.70%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.32%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">2.20%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">4.28%</span></div></div></div></td></tr>
<tr style="height:78.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income as its </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primary objective and, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">as its secondary </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective, preservation </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">U.S. Government Mortgage Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.45%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.19%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(0.06%)</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">1.92%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr>
<tr style="height:92.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Non-diversified fund that </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with total </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return that exceeds the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rate of inflation over the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long term.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - BlackRock Global Inflation-Linked </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Securities Fund (Class 1) (previously CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">- BlackRock Global Inflation-Protected </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Securities Fund (Class 1))</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; BlackRock Financial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, Inc., subadviser; BlackRock </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">International Limited, sub-subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.62%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">4.23%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(1.50%)</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">1.98%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - CenterSquare Real Estate Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; CenterSquare Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management LLC, subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.84%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">2.19%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">6.60%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">5.70%</span></div></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Fidelity Institutional AM</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Total Bond </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1) (previously CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - American </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Century Diversified Bond Fund (Class 1))</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; FIAM LLC, subadviser; FMR </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Management (UK) Limited, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.49%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.48%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(0.35%)</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">2.33%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Principal Large Cap Growth Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Principal Global Investors, LLC, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.70%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">13.78%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">10.47%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.66%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital and income.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - T. Rowe Price Large Cap Value Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; T. Rowe Price Associates, Inc., </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.69%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.40%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">10.43%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.91%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with total </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return through current </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - TCW Total Return Bond Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1) (previously CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - TCW Core Plus </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Bond Fund (Class 1))</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; TCW Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company LLC, subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.50%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.54%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(0.53%)</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">2.04%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Victory Sycamore Established Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Victory Capital Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Inc., subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.82%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">2.29%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">9.65%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.70%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Wellington Large Cap Value Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Wellington Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company LLP, subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.61%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">19.92%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">11.26%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.71%</span></div></div></div></td></tr>
<tr style="height:56.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Westfield Mid Cap Growth Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Westfield Capital Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company, L.P., subadviser.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.83%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.40%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">7.16%</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.18%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Westfield Select Large Cap Growth </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Westfield Capital Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company, L.P., subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.69%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">17.27%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">2.05%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">13.31%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">results that correspond </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the total return </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of common </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">stocks as represented </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">by the MSCI EAFE Index.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CVT EAFE International Index Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.48%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">30.90%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">8.53%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.86%</span></div></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">results that correspond </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of U.S. </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks, as </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">represented by the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">NASDAQ 100 Index.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CVT Nasdaq 100 Index Portfolio (Class I)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management, adviser; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Ameritas Investment Partners, Inc, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.49%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">20.39%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">14.73%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">19.09%</span></div></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">results that correspond </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of U.S. </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks, as </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">represented by the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Index.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CVT Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Small Cap Index </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class I)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management, adviser; </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Ameritas Investment Partners, Inc, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.40%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.45%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">5.83%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.32%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class A)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management Americas </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Inc., adviser; RREEF America L.L.C., </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.93%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.50%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">5.29%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">4.89%</span></div></div></div></td></tr>
<tr style="height:103.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Portfolio (Initial </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management & Research Company, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Fidelity Management & Research </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (UK) Limited, Fidelity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management & Research Company (Hong </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Kong) Limited, Fidelity Management & </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Research Company (Japan) Limited, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadvisers.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.54%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">21.52%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">15.37%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.78%</span></div></div></div></td></tr>
<tr style="height:89.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio (Initial Class)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management & Research Company, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Fidelity Management & Research </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (UK) Limited, Fidelity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management & Research Company (Hong </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Kong) Limited, Fidelity Management & </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Research Company (Japan) Limited, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadvisers.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.55%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">11.75%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">10.10%</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.59%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr>
<tr style="height:125.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks a high level of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and may </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">also seek capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Strategic Income Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Initial Class)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management & Research Company, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Fidelity Management & Research </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (UK) Limited, Fidelity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management & Research Company (Hong </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Kong) Limited, Fidelity Management & </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Research Company (Japan) Limited, FIL </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Advisers, FIL Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Advisers (UK) Limited and FIL Investments </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(Japan) Limited, subadvisers.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.63%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">8.85%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">3.07%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">4.66%</span></div></div></div></td></tr>
<tr style="height:103.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to maximize </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income while </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maintaining prospects </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for capital appreciation. </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Under normal market </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conditions, the fund </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">invests in a diversified </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">portfolio of equity and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">debt securities.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Income VIP Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.47%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.87%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">7.92%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.57%</span></div></div></div></td></tr>
<tr style="height:125.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation, with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income as a secondary </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">goal. Under normal </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market conditions, the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fund invests primarily in </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">U.S. and foreign equity </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">securities that the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment manager </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">believes are </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">undervalued.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Mutual Shares VIP Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Mutual Advisers, LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.69%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">11.81%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">9.49%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.80%</span></div></div></div></td></tr>
<tr style="height:92.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term total </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return. Under normal </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market conditions, the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fund invests at least </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">80% of its net assets in </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investments of small </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capitalization </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">companies.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Small Cap Value VIP Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Mutual Advisers, LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.66%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.90%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">9.13%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.09%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return with a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">low to moderate </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">correlation to traditional </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">financial market indices.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Balanced-Risk Allocation Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Series I Shares)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.88%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.14%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">2.53%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">5.17%</span></div></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:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Global Fund (Series I Shares)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.81%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.32%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">7.28%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">11.00%</span></div></div></div></td></tr>
<tr style="height:37.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Global Strategic Income Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Series I Shares)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.95%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.98%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">1.65%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">3.01%</span></div></div></div></td></tr>
<tr style="height:37.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Series I Shares)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.84%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">8.70%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">8.34%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.59%</span></div></div></div></td></tr>
<tr style="height:34.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Technology Fund (Series I </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Shares)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.96%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">20.47%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">10.30%</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.78%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth, consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and balanced by current </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Balanced Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Institutional Shares)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.62%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.11%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">8.48%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.14%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to obtain </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maximum total return, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Flexible Bond Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Institutional Shares)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.57%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.40%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(0.23%)</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">2.32%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Non-diversified fund that </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">pursues its investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective by investing </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primarily in common </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">stocks selected for their </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth potential.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Research Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Institutional Shares)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.82%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">18.39%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">14.11%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.88%</span></div></div></div></td></tr>
<tr style="height:37.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lazard Retirement Global Dynamic </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Multi-Asset Portfolio (Investor Shares)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.90%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.98%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">5.36%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:17.8pt;">-</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth. Income is a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">secondary objective.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">LVIP American Century Value Fund (Standard </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class II)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments Corporation, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; American Century Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, Inc., subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.71%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">16.02%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">11.65%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.23%</span></div></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:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Utilities Series (Initial Class)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.78%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.01%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">7.64%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.49%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Fund seeks </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">by investing primarily in </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks and </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">other equity securities.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Morgan Stanley VIF Discovery Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I Shares)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Morgan Stanley Investment Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Inc.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.95%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.58%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(5.36%)</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.16%</span></div></div></div></td></tr>
<tr style="height:92.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital by investing </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primarily in securities of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">companies that meet </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Fund's </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">environmental, social </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and governance (ESG) </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">criteria.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Neuberger Berman AMT Quality Equity </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class I) (previously Neuberger </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Berman AMT Sustainable Equity Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I))</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment Advisers LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.87%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">13.71%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">12.83%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.94%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum real </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return, consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of real </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital and prudent </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">management.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PIMCO VIT All Asset Portfolio (Institutional </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">1.98%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.34%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">5.77%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">6.93%</span></div></div></div></td></tr>
<tr style="height:56.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum total </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return, consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and prudent investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">management.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Institutional Class)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC (PIMCO)</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.58%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.05%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">0.16%</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">2.51%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Putnam VT Global Health Care Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class IA Shares)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Franklin Advisers, Inc., Franklin </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Templeton Investment Management Limited </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">and The Putnam Advisory Company, LLC, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadvisers.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.75%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.34%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">7.99%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">8.63%</span></div></div></div></td></tr>
<tr style="height:136.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high current </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income, consistent with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">with capital appreciation </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">as a secondary </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consideration. Under </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">normal market </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conditions, the fund </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">invests at least 80% of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">its net assets in debt </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">securities of any </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maturity.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Templeton Global Bond VIP Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;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:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.50%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">16.09%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">(0.69%)</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">0.11%</span></div></div></div></td></tr>
<tr style="height:48.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with an </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">aggressive level of risk.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Aggressive Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.79%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">17.94%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">8.40%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.24%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conservative level of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">risk.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Conservative Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.64%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.55%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">1.89%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">3.72%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Conservative Fund (Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.70%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.41%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">1.41%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">3.51%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Conservative Growth Fund (Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.72%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">11.25%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">2.92%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">4.71%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility Growth </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.76%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.97%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">6.09%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.13%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Moderate Growth Fund (Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.73%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">13.13%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">4.55%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">6.00%</span></div></div></div></td></tr>
<tr style="height:45.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">moderate level of risk.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Moderate Portfolio </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.71%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">14.14%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">5.17%</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">6.60%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">moderately aggressive </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of risk.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Moderately Aggressive </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.75%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">15.97%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">6.71%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.89%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">moderately conservative </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of risk.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Moderately Conservative </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.69%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.39%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">3.43%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">5.10%</span></div></div></div></td></tr>
<tr style="height:81.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while conserving the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">value of the investment </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for the longest period of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">time.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Core Bond Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; J.P. Morgan Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management Inc. and Allspring Global </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investments, LLC, subadvisers.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.48%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.62%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">0.03%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">2.25%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Core Equity Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; J.P. Morgan Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management Inc. and T. Rowe Price </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Associates, Inc., subadvisers.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.68%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">13.42%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">13.32%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">12.91%</span></div></div></div></td></tr>
<tr style="height:92.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners International </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Core Equity Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Schroder Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management North America Inc., </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser; Schroder Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management North America Limited, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-subadviser.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.83%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">24.85%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">7.29%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">6.39%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners International </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; William Blair Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, LLC and Walter Scott & </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Partners Limited, subadvisers.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.83%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">17.77%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">1.61%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">5.26%</span></div></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners International </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Value Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Pzena Investment </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, LLC and Thompson, Siegel & </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Walmsley LLC, subadvisers.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.80%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">35.15%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:5.0pt;">10.39%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.24%</span></div></div></div></td></tr>
<tr style="height:67.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Small Cap </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Goldman Sachs Asset </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, L.P. and Segall Bryant & </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Hamill, LLC, subadvisers.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.85%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">8.13%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">1.20%</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.99%</span><span style="font-family:Arial;font-size:9.30pt;line-height:10.2300pt;margin-left:0.0pt;"> </span></div></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:528pt;">
<tr style="height:31pt;">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Investment Objective</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Fund and</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;font-weight:bold;">Adviser/Sub-Adviser</span></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.0pt;">Current </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Expenses </span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">Ratio</span></div> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;">[NET]</span></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</span></div> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;">(as of 12/31/2025)</span></div></div></td></tr>
<tr style="height:15.75pt;">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">1 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">5 Year</span></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:10.3000pt;text-align:left;"> <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-weight:bold;margin-left:0.00pt;">10 Year</span></div></div></td></tr>
<tr style="height:70.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Small Cap Value </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Segall Bryant & Hamill, LLC </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">and William Blair Investment Management, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, subadvisers.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.84%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.35%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">6.86%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">7.33%</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - U.S. Flexible Conservative </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.71%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.49%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">3.79%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:17.8pt;">-</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - U.S. Flexible Growth Fund </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.68%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">11.37%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">7.63%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:17.8pt;">-</span></div></div></div></td></tr>
<tr style="height:59.75pt;">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:11.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - U.S. Flexible Moderate </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2,3</span> <div style="clear:right;"> </div></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.69%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:8.0pt;">10.37%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">5.72%</span></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:17.8pt;">-</span></div></div></div></td></tr>
<tr style="height:133.75pt;">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to maximize total </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return. Under normal </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market conditions, the </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fund invest at least 80% </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of its assets in high </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">yield bonds. Under </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">normal circumstances, </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the fund will be invested </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in at least three </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">countries (one of which </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">may be the United </span></div> <div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">States).</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt;"> <div style="line-height:10.2300pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Western Asset Variable Global High Yield </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Bond Portfolio (Class I)</span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, LLC, </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Western Asset Management </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company, LLC, subadviser.</span></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt;">
<div style="display:flex;margin-left:auto;width:48pt;"> <div style="display:flex;white-space:nowrap;width:48pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:15.5pt;">0.81%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">9.96%</span></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:11.0pt;">2.56%</span></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
<div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt;">
<div style="display:flex;margin-left:auto;width:42pt;"> <div style="display:flex;white-space:nowrap;width:42pt;"><span style="font-family:Arial;font-size:9.30pt;margin-left:14.0pt;">5.33%</span></div></div></div></td></tr></table>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">AB VPS Large Cap Growth Portfolio (Class A)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">AllianceBernstein L.P.</span>
0.0065
0.1313
0.1204
0.1617
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allspring VT Opportunity Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Funds Management, LLC, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Global Investments, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span>
0.0075
0.0700
0.0922
0.1213
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Allspring VT Small Cap Growth Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Funds Management, LLC, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Allspring Global Investments, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span>
0.0091
0.0955
-0.0070
0.1022
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Portfolio seeks </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment results that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">correspond (before fees </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and expenses) generally </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the price and yield </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of its </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">underlying index, the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Alerian Midstream </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Energy Select Index (the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">"Index").</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">ALPS | Alerian Energy Infrastructure Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">ALPS Advisors, Inc.</span>
0.0095
0.0509
0.2254
0.1111
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment return.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">BlackRock Global Allocation V.I. Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">BlackRock Advisors, LLC, adviser; BlackRock </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(Singapore) Limited and BlackRock </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">International Limited, sub-advisers.</span>
0.0076
0.1980
0.0579
0.0759
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">through a combination </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital growth and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Balanced Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0071
0.1405
0.0872
0.0974
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Commodity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Strategy Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0073
0.1548
0.1276
0.0675
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consisting of long-term </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Contrarian Core </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0070
0.1765
0.1418
0.1432
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Cornerstone </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1) (previously Columbia </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Large Cap Growth Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1))</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0071
0.1614
0.1404
0.1597
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Disciplined </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Core Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0068
0.1463
0.1416
0.1359
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and, as a secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective, steady growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Dividend </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Opportunity Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0065
0.1583
0.1188
0.1043
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Non-diversified fund that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">total return through </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">secondarily, through </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Emerging </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Markets Bond Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0073
0.1278
0.0170
0.0428
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Emerging </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Markets Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0109
0.3117
-0.0113
0.0727
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maximum current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">liquidity and stability of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">principal.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Government </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Money Market Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0034
0.0397
0.0297
0.0189
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income as its </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primary objective and, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">as its secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective, capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - High Yield Bond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0064
0.0881
0.0418
0.0578
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">total return through </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Opportunities Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0064
0.0878
0.0386
0.0542
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while attempting to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conserve the value of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the investment for the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">longest period of time.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Intermediate </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Bond Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0053
0.0906
-0.0043
0.0277
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Large Cap Index </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0025
0.1758
0.1413
0.1449
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consisting of current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Long </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Government/Credit Bond Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0047
0.0624
-0.0524
0.0156
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Overseas Core </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0080
0.3826
0.0919
0.0782
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Large </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cap Value Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0069
0.2827
0.1359
0.1258
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth of capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Mid Cap </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0083
0.1514
0.0753
0.1217
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Mid Cap </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Value Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0083
0.1418
0.1118
0.1044
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Short </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Corporate Income Fund (Class 1) (previously </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Limited </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Duration Credit Fund (Class 1))</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0041
0.0635
0.0214
0.0319
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Select Small </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Cap Value Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0085
0.0659
0.0894
0.0823
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Seligman </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Global Technology Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0093
0.3470
0.1871
0.2301
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consisting of current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - Strategic </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Income Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0070
0.0732
0.0220
0.0428
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income as its </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primary objective and, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">as its secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective, preservation </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Columbia Variable Portfolio - </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">U.S. Government Mortgage Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0045
0.0919
-0.0006
0.0192
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Non-diversified fund that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return that exceeds the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">rate of inflation over the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long term.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - BlackRock Global Inflation-Linked </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Securities Fund (Class 1) (previously CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">- BlackRock Global Inflation-Protected </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Securities Fund (Class 1))</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; BlackRock Financial </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, Inc., subadviser; BlackRock </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">International Limited, sub-subadviser.</span>
0.0062
0.0423
-0.0150
0.0198
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - CenterSquare Real Estate Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; CenterSquare Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management LLC, subadviser.</span>
0.0084
0.0219
0.0660
0.0570
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Fidelity Institutional AM</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Total Bond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1) (previously CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - American </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Century Diversified Bond Fund (Class 1))</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; FIAM LLC, subadviser; FMR </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Management (UK) Limited, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-subadviser.</span>
0.0049
0.0748
-0.0035
0.0233
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Principal Large Cap Growth Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Principal Global Investors, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span>
0.0070
0.1378
0.1047
0.1466
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital and income.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - T. Rowe Price Large Cap Value Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; T. Rowe Price Associates, Inc., </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span>
0.0069
0.1240
0.1043
0.0991
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return through current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income and capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - TCW Total Return Bond Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1) (previously CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - TCW Core Plus </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Bond Fund (Class 1))</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; TCW Investment Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company LLC, subadviser.</span>
0.0050
0.0754
-0.0053
0.0204
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Victory Sycamore Established Value </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Victory Capital Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Inc., subadviser.</span>
0.0082
0.0229
0.0965
0.1070
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Wellington Large Cap Value Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Wellington Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company LLP, subadviser.</span>
0.0061
0.1992
0.1126
0.1071
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Westfield Mid Cap Growth Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Westfield Capital Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company, L.P., subadviser.</span>
0.0083
0.1040
0.0716
0.1218
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CTIVP</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> - Westfield Select Large Cap Growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Westfield Capital Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company, L.P., subadviser.</span>
0.0069
0.1727
0.0205
0.1331
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">results that correspond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of common </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">stocks as represented </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">by the MSCI EAFE Index.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CVT EAFE International Index Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management</span>
0.0048
0.3090
0.0853
0.0786
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">results that correspond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of U.S. </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks, as </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">represented by the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">NASDAQ 100 Index.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CVT Nasdaq 100 Index Portfolio (Class I)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Ameritas Investment Partners, Inc, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span>
0.0049
0.2039
0.1473
0.1909
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">results that correspond </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">to the investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">performance of U.S. </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks, as </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">represented by the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Index.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">CVT Russell 2000</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Small Cap Index </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class I)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Calvert Research and Management, adviser; </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Ameritas Investment Partners, Inc, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span>
0.0040
0.1245
0.0583
0.0932
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">DWS Alternative Asset Allocation VIP </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class A)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">DWS Investment Management Americas </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Inc., adviser; RREEF America L.L.C., </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser.</span>
0.0093
0.1050
0.0529
0.0489
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Contrafund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Portfolio (Initial </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management & Research Company, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Fidelity Management & Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management & Research Company (Hong </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Kong) Limited, Fidelity Management & </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Research Company (Japan) Limited, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadvisers.</span>
0.0054
0.2152
0.1537
0.1578
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Mid Cap Portfolio (Initial Class)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management & Research Company, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Fidelity Management & Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management & Research Company (Hong </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Kong) Limited, Fidelity Management & </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Research Company (Japan) Limited, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadvisers.</span>
0.0055
0.1175
0.1010
0.1059
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks a high level of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">current income and may </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">also seek capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> VIP Strategic Income Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Initial Class)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Fidelity Management & Research Company, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Fidelity Management & Research </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management & Research Company (Hong </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Kong) Limited, Fidelity Management & </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Research Company (Japan) Limited, FIL </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investment Advisers, FIL Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Advisers (UK) Limited and FIL Investments </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">(Japan) Limited, subadvisers.</span>
0.0063
0.0885
0.0307
0.0466
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to maximize </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income while </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maintaining prospects </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for capital appreciation. </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Under normal market </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conditions, the fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">invests in a diversified </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">portfolio of equity and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">debt securities.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Income VIP Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc.</span>
0.0047
0.1287
0.0792
0.0757
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation, with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income as a secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">goal. Under normal </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market conditions, the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fund invests primarily in </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">U.S. and foreign equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">securities that the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment manager </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">believes are </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">undervalued.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Mutual Shares VIP Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Mutual Advisers, LLC</span>
0.0069
0.1181
0.0949
0.0780
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return. Under normal </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market conditions, the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fund invests at least </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">80% of its net assets in </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investments of small </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capitalization </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">companies.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Franklin Small Cap Value VIP Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Mutual Advisers, LLC</span>
0.0066
0.0790
0.0913
0.1009
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">low to moderate </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">correlation to traditional </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">financial market indices.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Balanced-Risk Allocation Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Series I Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span>
0.0088
0.0914
0.0253
0.0517
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Global Fund (Series I Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span>
0.0081
0.1532
0.0728
0.1100
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Global Strategic Income Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Series I Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span>
0.0095
0.1298
0.0165
0.0301
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Main Street Small Cap Fund</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">® </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Series I Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span>
0.0084
0.0870
0.0834
0.1059
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Invesco V.I. Technology Fund (Series I </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Invesco Advisers, Inc.</span>
0.0096
0.2047
0.1030
0.1578
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth, consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and balanced by current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Balanced Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Institutional Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC</span>
0.0062
0.1511
0.0848
0.1014
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to obtain </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maximum total return, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Flexible Bond Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Institutional Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC</span>
0.0057
0.0740
-0.0023
0.0232
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Non-diversified fund that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">pursues its investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">objective by investing </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primarily in common </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">stocks selected for their </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth potential.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Janus Henderson Research Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Institutional Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Janus Henderson Investors US LLC</span>
0.0082
0.1839
0.1411
0.1588
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Lazard Retirement Global Dynamic </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Multi-Asset Portfolio (Investor Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lazard Asset Management, LLC</span>
0.0090
0.1598
0.0536
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">growth. Income is a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">secondary objective.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">LVIP American Century Value Fund (Standard </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class II)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Lincoln Financial Investments Corporation, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; American Century Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, Inc., subadviser.</span>
0.0071
0.1602
0.1165
0.1023
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks total return.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">MFS</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;"> Utilities Series (Initial Class)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Massachusetts Financial Services Company</span>
0.0078
0.1501
0.0764
0.0949
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">The Fund seeks </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">by investing primarily in </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">common stocks and </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">other equity securities.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Morgan Stanley VIF Discovery Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Morgan Stanley Investment Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Inc.</span>
0.0095
0.1258
-0.0536
0.1416
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks long-term growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of capital by investing </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">primarily in securities of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">companies that meet </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the Fund's </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">environmental, social </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and governance (ESG) </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">criteria.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Neuberger Berman AMT Quality Equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class I) (previously Neuberger </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Berman AMT Sustainable Equity Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class I))</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Neuberger Berman Investment Advisers LLC</span>
0.0087
0.1371
0.1283
0.1294
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum real </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return, consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of real </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital and prudent </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">management.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PIMCO VIT All Asset Portfolio (Institutional </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Class)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0198
0.1434
0.0577
0.0693
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks maximum total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return, consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">and prudent investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">management.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">PIMCO VIT Total Return Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Institutional Class)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Pacific Investment Management Company </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC (PIMCO)</span>
0.0058
0.0905
0.0016
0.0251
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Putnam VT Global Health Care Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class IA Shares)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Putnam Investment Management, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Franklin Advisers, Inc., Franklin </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Templeton Investment Management Limited </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">and The Putnam Advisory Company, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadvisers.</span>
0.0075
0.1534
0.0799
0.0863
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks high current </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">income, consistent with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">preservation of capital, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">with capital appreciation </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">as a secondary </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">consideration. Under </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">normal market </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conditions, the fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">invests at least 80% of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">its net assets in debt </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">securities of any </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">maturity.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Templeton Global Bond VIP Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Advisers, Inc.</span>
0.0050
0.1609
-0.0069
0.0011
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with an </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">aggressive level of risk.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Aggressive Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0079
0.1794
0.0840
0.0924
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">conservative level of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">risk.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Conservative Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0064
0.1055
0.0189
0.0372
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Conservative Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0070
0.0941
0.0141
0.0351
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Conservative Growth Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0072
0.1125
0.0292
0.0471
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility Growth </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0076
0.1497
0.0609
0.0713
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Managed Volatility </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Moderate Growth Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0073
0.1313
0.0455
0.0600
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">moderate level of risk.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Moderate Portfolio </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0071
0.1414
0.0517
0.0660
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">moderately aggressive </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of risk.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Moderately Aggressive </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0075
0.1597
0.0671
0.0789
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of total return that </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">is consistent with a </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">moderately conservative </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of risk.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Moderately Conservative </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Portfolio (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0069
0.1239
0.0343
0.0510
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with a high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">level of current income </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while conserving the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">value of the investment </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">for the longest period of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">time.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Core Bond Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; J.P. Morgan Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management Inc. and Allspring Global </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Investments, LLC, subadvisers.</span>
0.0048
0.0762
0.0003
0.0225
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Core Equity Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; J.P. Morgan Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management Inc. and T. Rowe Price </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Associates, Inc., subadvisers.</span>
0.0068
0.1342
0.1332
0.1291
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term growth of </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">capital.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners International </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Core Equity Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Schroder Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management North America Inc., </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">subadviser; Schroder Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management North America Limited, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">sub-subadviser.</span>
0.0083
0.2485
0.0729
0.0639
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners International </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; William Blair Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, LLC and Walter Scott & </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Partners Limited, subadvisers.</span>
0.0083
0.1777
0.0161
0.0526
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners International </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Value Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Pzena Investment </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, LLC and Thompson, Siegel & </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Walmsley LLC, subadvisers.</span>
0.0080
0.3515
0.1039
0.0724
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital growth.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Small Cap </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Goldman Sachs Asset </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Management, L.P. and Segall Bryant & </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Hamill, LLC, subadvisers.</span>
0.0085
0.0813
0.0120
0.0799
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to provide </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">shareholders with </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">long-term capital </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">appreciation.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - Partners Small Cap Value </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, adviser; Segall Bryant & Hamill, LLC </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">and William Blair Investment Management, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC, subadvisers.</span>
0.0084
0.0735
0.0686
0.0733
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - U.S. Flexible Conservative </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0071
0.0949
0.0379
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - U.S. Flexible Growth Fund </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">(Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0068
0.1137
0.0763
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Pursues total return </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">while seeking to </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">manage the Fund's </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">exposure to equity </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market volatility.</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Variable Portfolio - U.S. Flexible Moderate </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Growth Fund (Class 1)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Columbia Management Investment Advisers, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">LLC</span>
0.0069
0.1037
0.0572
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Seeks to maximize total </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">return. Under normal </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">market conditions, the </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">fund invest at least 80% </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">of its assets in high </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">yield bonds. Under </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">normal circumstances, </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">the fund will be invested </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">in at least three </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">countries (one of which </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">may be the United </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">States).</span>
<span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Western Asset Variable Global High Yield </span><span style="font-family:Arial;font-size:9.30pt;margin-left:0.0pt;">Bond Portfolio (Class I)</span>
<span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Franklin Templeton Fund Adviser, LLC, </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">adviser; Western Asset Management </span><span style="font-family:Arial;font-size:9.30pt;font-style:italic;margin-left:0.0pt;">Company, LLC, subadviser.</span>
0.0081
0.0996
0.0256
0.0533
<span style="color:#000000;font-family:Arial;font-size:7.44pt;">This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee waiver. The Fund’s annual expenses reflect temporary fee reductions. Please see the Fund’s prospectus for additional information.</span>